Health Insurance is like car insurance. When you choose a policy with a large excess, you save with large premium discounts.  Of course, the downside is that you need to pay the large excess if you make a claim on your policy. That’s where the First National Health Plan is different...   Through this special workplace amenity, your excess will be refunded to you if you or an eligible member of your family goes to hospital.  So you can save by taking a health cover option with a large excess – but still enjoy the security, peace of mind and financial protection of a “nil excess” policy. The Plan offers a range of health cover options for you to choose from – including hospital and extras covers.

Save. This Corporate Health Plan lets you save on premiums and receive a refund of the hospital excess if you or an eligible family member are hospitalised. Receive immediate cover on most services. On joining the plan, if you take out a Hospital and Extras cover, you receive immediate cover on all services usually requiring 2 - 6 months waiting periods. This includes hospital, general dental, physiotherapy and chiropractic services. This waiver does not apply to waiting periods of more than 6 months, including 12 months for obstetric services, major dental or pre-existing ailments or conditions. Psychiatric, rehabilitation and palliative care services, which have a 2 month waiting period, are also excluded from this offer. No Waiting.  Receive full continuity of cover if you transfer to tthis Corporate Health Plan from another registered private health insurer at an equivalent level of cover - even if you have a pre-existing illness or condition. Read more about switching funds. Federal Government Rebate.  Eligible members can receive the Federal Government rebate on private health insurance which may further reduce your premiums from the day you join. (Read more about the Government Rebate. Save on tax. If you're a higher income earner and don't have health insurance, you'll most likely be charged an additional tax on your taxable income (Medicare Levy Surcharge) on top of the current 1.5% government Medicare Levy.  If you join a hospital cover through this Health Plan, you won't have to pay the Medicare Levy Surcharge for the period you are covered.  So you can save on tax by taking out hospital cover. Read more about the Medicare Levy Surcharge. Lifetime Health Cover. Avoid Lifetime Health Cover penalties by joining by the age of 31. From 1 July following your 31st birthday, a person pays 2% more each year they are without hospital cover (whether single or on behalf of a family). Read more about Lifetime Health Cover. Ambulance. Australia wide 100% emergency Ambulance Cover is included in all health plan Hospital covers (State Government services only), excluding Queensland and Tasmania. Queensland and Tasmanian residents are covered under their state ambulance schemes. Moving On. If you change employment your health cover benefits and premiums will remain unchanged although you will no longer receive a hospital excess refund. Read about your options when you change employment. Free review and recommendation To find out which is the best health cover option for your needs, you can request a free, no obligation review and recommendation from the Health Plan advisers, Health Link Consultants.  They will a review your situation and forward a detailed recommendation and quote - usually within 48 hours. How do I claim an excess refund? If you or any of your family members are admitted to hospital, you pay the excess at the time you are admitted. To receive your refund from Allstates  you simply submit a completed Allstates Health Plan claim form to National Office, along with your receipt for your excess payment (issued by the hospital) and a photocopy of your HCF membership card. National Office will then credit your nominated bank account with the excess reimbursement. It's as simple as that.

Who is HCF?

The First National Health Plan has been arranged by national health insurance advisor, Health Link Consultants, with cover provided by leading health fund, HCF. HCF is dedicated to delivering the best quality healthcare to its members and provides private health insurance cover for a full range of health benefits including private hospital, Australia-wide ambulance cover and ancillary services.  The fund is one of Australia's larger funds and operates on a not-for-profit basis. Health Link Consultants' personal service combined with HCF's competitive products - and First National's excess refund arrangement means you can now enjoy great health cover protection... and save.