20,000 Flybuys points when you sign up for HCF health insurance and stay for 30 days

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 stay for 30 days.

Since even a cheap extras only policy is eligible, you could potentially earn the 20,000 points for under $25 depending on your circumstances.

20,000 Flybuys points are worth $100 if used at Coles, Kmart, Officeworks etc. You can also convert them to 10,000 Velocity points which are possibly worth even more than $100.

After you’ve held your policy for 30 days, the 20,000 points will then be credited to your Flybuys account within 14 days.

Additionally, if you choose to stay for ten or more months you can also earn up to 130,000 extra Flybuys points depending 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: 48,000 points
• $1,000-1,999: 24,000 points
• Less than $999: 14,000 points

However, the main appeal of this offer is just the 20,000 points initial sign up bonus.

Note that this offer is only available to those who have not held a HCF policy within the six months prior to signing up.

It also excludes Corporate, Ambulance Only, Overseas Visitors Health Covers, RT Health branded products and HCF Life Insurance.

Terms and conditions

Get 20,000 points (Bonus Points Offer)  

Eligibility Requirements

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 (AEST) on Wed 1 Jul 2026 and 11:59pm (AEST) on Mon 31 Aug 2026 (Bonus Points Period);
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 products 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.
• The Bonus Points Offer is available independently of the Standard Points Offer. 


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