Terms and Conditions

Pet Insurance

^ HCF Pet Insurance policies entered into for the first time prior to 21 March 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414 (HCF). HCF Pet Insurance policies entered into for the first time on or after 21 March 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by HCF. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/petinsurance 

HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. HCF may receive a commission of up to 13% of the premium for promoting HCF Pet Insurance policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance. For more information, contact HCF on 13 13 34.  

^^ HCF members who have held eligible cover for at least 1 week (consecutive) and are up to date with their premiums can get a discount of 12% on HCF Happy Tails Cover Pet Insurance policies issued from 03/07/2026 and their subsequent renewals (Discount). For this Discount, “eligible cover” includes all Hospital and Extras products, plus selected Life and Recover Cover products (full list available here) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. The Discount does not apply to Manchester Unity Pet Insurance policies. To redeem the Discount, HCF members must have registered on the HCF My Membership app or through online member services before they quote and buy a new HCF Pet Insurance policy online via the HCF Pet Insurance webpage. The Discount will be applied to standard premiums (including for optional covers), before adding fees, taxes and government charges, noting that if the HCF member is eligible for more than one discount, we apply each of them in a predetermined order to the premium as reduced by any prior applied discount. The Discount will continue to apply for HCF eligible members automatically in the event the policy is renewed, while this offer continues. HCF members who bought a HCF Pet Insurance policy before this Discount or any previous HCF Pet Insurance member discount applied, or before they had held eligible cover for at least 1 week (consecutive), can redeem the Discount (which will be applied on subsequent renewals) by registering on the HCF My Membership app or through online member services and contacting PetSure on 1800 630 681. This Discount may be subject to change at any time, without notice. Any previous member discount percentage applicable to HCF Pet Insurance policies issued prior to this date will continue to apply unchanged to renewals of those policies on and after 03/07/2026.  

Travel Insurance

+ The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies. If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

++ All HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can receive a 25% discount on HCF Travel Insurance. For this offer, eligible cover includes all Hospital and Extras products and excludes Ambulance Only Cover. To access the discount code go to the Member Benefits section in the Online Member Services to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information.

Life Insurance

## RT Health is a division of The Hospitals Contribution Fund of Australia Limited (ACN 000 026 746)(HCF). References to an “RT Health member” mean an HCF member on an RT Health branded product. 

** All active RT Health members are eligible for a member discount of 10% on HCF Life Protect Insurance. The 10% premium discount and one month premium free offer applies upon successful verification of membership and application of the discount code.  The one month free offer will be applied as a waiver of the first monthly premium. The 10% discount applies to premiums after any applicable free period. Eligibility criteria apply for HCF Life Protect Insurance and is subject to the HCF Life Protect Insurance terms and conditions (refer to the combined Product Disclosure Statement, Policy Document and Financial Services Guide (Combined PDS), available at hcf.com.au/lifeinfo). HCF Life reserves the right to withdraw, vary or extend this offer at any time, without notice. 

HCF Life Insurance and Recover Cover products are issued by HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life) and arranged by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), which wholly owns HCF Life. HCF and HCF Life do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo. The relevant Target Market Determination is also available at hcf.com.au/lifeinfo. The premiums for HCF Life Protect and Recover Cover products are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 40% of the first year's premium plus an additional commission of 80% of HCF Life's underwriting profit each year calculated as premiums less claims and expenses. HCF's staff may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year's premium.

* Excludes Ambulance Only members.

*** Excludes pharmacist only medicine (Schedule 3 medicines) and prescription only medicine.

# Administered by a qualified immuniser. Age restrictions apply – visit Ramsay Pharmacy Flu Vaccinations for more information. Please allow 15 mins post-vaccination for monitoring. Free flu vaccinations are subject to immuniser availability, treating physician consent and vaccine supply. Bookings for children under 16 years who are eligible for the vaccine require parent/guardian consent. Available at selected Ramsay Health Care facilities in NSW and Vic. See participating Ramsay Health Care Hospitals.

+++ 5% discount on Specsavers Advance hearing aids and 20% discount on all hearing aids from Hearing Australia for RT members with hospital or extras cover. Hearing Australia discount does not apply if hearing aids are fully funded by a third party (except RT), hearing aids are purchased following a workplace hearing assessment or a paediatric hearing assessment if the member under 26 years. Discount cannot be combined with any other offer.