Feature Comparison
| Feature | Your Health Wallet | HCF Extras |
|---|---|---|
| Annual Cost | Your choice | Fixed premium |
| Unused Benefits Rollover | ✓ Yes | ✗ No |
| Interest Earned | ✓ Yes | ✗ No |
| Family Coverage | ✓ One account | Separate policies |
| Pet Coverage | ✓ After 12 months | ✗ No |
| Gap Fees | ✓ None | May apply |
| Waiting Periods | ✓ None | Up to 12 months |
| Flexibility | ✓ Any health service | Limited services |
| Transparency | ✓ Full clarity | Hidden restrictions |
Why People Are Switching from HCF
💰 Stop Losing Money
With HCF, unused benefits disappear each year. Your Health Wallet lets them roll over and earn interest.
📈 Earn Interest
HCF extras don't earn anything. Your Health Wallet balance grows with competitive interest rates.
👨👩👧 Better Family Coverage
Manage the whole family with one account instead of multiple HCF policies.
🐾 Pet Coverage
HCF doesn't cover pets. Your Health Wallet does after 12 months.
🔒 Regulated & Safe
ASIC licensed, AFCA member, funds held by NAB-approved custodian. Same security as HCF, better terms.
💳 No Gap Fees
HCF charges gap fees. Your Health Wallet doesn't.
See Your Potential Savings
Calculate exactly how much you could save by switching from HCF
Calculate My Savings⚠️ IMPORTANT: This comparison is for general information only and does not constitute financial advice. Actual outcomes may vary. Please refer to the Product Disclosure Statement (PDS) before making any decisions. Past performance is not indicative of future results.