*Well be in touch in November with specific details on the amount youll receive and how well be returning the savings to you.
#Canstar 6 years in a row for 2016-2021. We were also recognised for; Hospital cover in NSW, NT, Qld, SA, WA & Tas. Extras cover in NSW, NT, Tas and WA. Hospital & Extras package in NSW, SA, NT, Tas and WA.*Learn more about Canstar
^100% back from providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. See hcf.com.au/100back
~Eligibility criteria applies. You can access HCF Thank You offers after you've been a member for a week and if your policy payments are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover.
^^Get your cash payment when your claim is approved.
++Excludes Overseas Visitors Health Cover.
##Service is available free to all members who are financial with hospital and/or extras products for a limited time that ends 31 December 2022. Excludes Ambulance Only, Accident Only and Overseas Visitors Health Cover.
~~Flip advice is general in nature. We dont take into account your personal circumstances, so please consider how appropriate it is for you before taking action. Its important to read thePromo Terms,Product Disclosure Statement and Financial Services GuideandTarget Market Determinationbefore signing up, too.
HCF Life Insurance Company Pty Ltd ABN 37 001 831 250, AFSL 236 806 (HCF Life) is the issuer of Flip Insurance. Flip Insurance Pty Ltd ABN 71 648 680 960, ARN 001288198 (Flip Insurance) is a wholly owned subsidiary and authorised representative of HCF Life. HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), and acts on its own behalf.
Premiums for Flip cover are paid to HCF Life. HCF receives commission of 80% of HCF Lifes underwriting profit each year calculated as premiums less claims and expenses. Flip Insurance may receive remuneration from HCF Life for the financial services it provides in relation to Flip cover. Flip Insurance and HCF Life employees receive a salary, paid by HCF Life, for the financial services they provide in relation to Flip cover.In addition, HCF, HCF Life and Flip Insurance employees may also receive an incentive depending on the total revenue and profitability of Flip products, and for meeting their compliance obligations. This remuneration is provided on a discretionary basis and may vary from time to time.