20,000 Flybuys points when you sign up for HCF health insurance plus 14,000-130,000 points if you stay for ten months

Earn 20,000 Flybuys points when you sign up for an eligible hospital only, extras only or combined hospital and extras policy with HCF and remain for 30 days.

Plus, if you choose to stay with HCF beyond the 30 days you can also earn up to 130,000 Flybuys points after ten months of coverage.

For the separate offer of up to 130,000 points, the amount you receive depends on the cost of your annual premium:

• $6,000 or more: 130,000 points
• $5,000-5,999: 100,000 points
• $4,000-4,999: 80,000 points
• $3,000-3,999: 60,000 points
• $2,000-2,999: 40,000 points
• $1,000-1,999: 24,000 points
• Less than $999: 14,000 points

For the 20,000 points sign up bonus, you only have to maintain your cover for 30 days and then they’ll be credited to your Flybuys account within 14 days.

If you signed up for an extras only policy, you could potentially earn the 20,000 Flybuys points for as little as ~$20 as the lowest priced extras cover starts at around $3 per week.

20,000 Flybuys points are worth $100 if redeemed at shops like Coles, Kmart, Bunnings or Officeworks. Alternatively, you could convert them to 10,000 Velocity points which can sometimes be worth a lot more.

Note that this offer is for new HCF members only so you cannot have held a policy with them in the six months before you apply.

Terms and conditions

20,000 points (Bonus Points Offer)
To qualify for the Bonus Points Offer you must:

1. be a current Flybuys member;
2. be a new HCF member (you must not have been an HCF policyholder 6 months prior to taking out a New Eligible HCF Policy);
3. sign up to a New Eligible HCF Policy between 12:01am (AEDT) on Sat 1 Nov 2025 and 11:59pm (AEDT) on Sun 18 Jan 2026;
4. provide your Flybuys member number when joining through HCF online, HCF call centre or in an HCF branch;
5. have your New Eligible HCF Policy accepted by HCF; and
6. be an Australian resident,

(collectively, the Eligibility Requirements).

New Eligible HCF Policy means any new HCF health insurance policy for hospital only, extras only or combined hospital and extras cover and excludes Corporate, Ambulance Only, Overseas Visitors Health Covers, RT Health branded product and HCF Life Insurance products.

To receive 20,000 Flybuys points, your New Eligible HCF Policy must be active (i.e. not terminated or suspended) for at least 30 days (30 Day Period) and your cover premium must be paid up to date as at the end of the 30 Day Period.



If your New Eligible HCF policy is suspended, cancelled or terminated or you change your level of policy cover to an excluded policy during the 30 Day Period, that policy will not be eligible for the Bonus Points Offer. Points are awarded once per policy to the Flybuys account nominated by the policyholder. Flybuys points will be awarded in one instalment within 14 days after the 30 Day Period. Flybuys’ privacy policy  applies. Standard Flybuys terms and conditions apply and are available at flybuys.com.au.

General

• The Bonus Points Offer is only available if you join through HCF online, the HCF call centre or in an HCF branch.
• To earn and redeem Flybuys points you must be a current Flybuys member.    
• Flybuys’ privacy policy applies. Standard Flybuys terms and conditions apply and are available at flybuys.com.au.
• Flybuys will credit your Flybuys membership account with Flybuys points in accordance with these terms and conditions.

See here for the full terms and conditions including the separate 130,000 points offer.