For 90 years, Aussies have been trusting HCF with their health and wellbeing, and in return we’ve invested in their lives, providing quality cover and healthcare that’s right for them.
From humble beginnings to becoming Australia’s largest not-for-profit health fund, HCF has been a core part of the health landscape for almost a century — we think that’s pretty uncommon.
We’re celebrating by sharing some of the key moments that have shaped our journey, from members, staff and some of our own industry leaders.
To learn more about our rich 90 year history or to read about our commitment to putting the health of our member’s first visit About Us or Our History.
uncommon stories
UNCOMMON CARE THROUGH HEALTH CHALLENGES AND LOSS
Gary Kilburn has had a lifelong commitment to his wellbeing, and HCF has supported him through his challenges, in ways big and small.
Read more
Uncommon Care Means Uncommon Conversations
HCF member Trevor Tyne has faced extreme health challenges, but those events changed his life for the better. Read about his health journey, and how HCF was there to support him.
UNCOMMON ACHIEVEMENTS
CLOSING THE GAP ON DENTAL CARE
We’re proud to provide quality healthcare to more Aussies, through our innovative health and wellbeing programs and investment into new technologies and business models to better meet our members’ needs, now and in the future.
HCF was one of the first health funds to open a network of Dental Centres from 1987. Our affordability, quality and uncommon acts of care keep members coming back.
EYE HEALTH IN SAFE HANDS
Since 1992, our Eyecare Centres have been giving members high-quality clinical care that stands us apart.
PERSONALISED HEALTH SUPPORT FOR MEMBERS
Our chronic disease management program, My Health Guardian, launched in 2009 and helped over 50,000 Australians.
FUNDING HEALTHCARE RESEARCH FOR ALL AUSTRALIANS
The HCF Research Foundation was set up in 2000 to fund research into health services to benefit all Australians.
A NEW INNOVATION IN INSURANCE
By launching Flip in 2021, we’re offering young Aussies straightforward protection that suits their lifestyle.
REDUCING MEMBERS’ OUT-OF-POCKET COSTS
We were one of the first health funds to make out-of-pocket costs more transparent by launching our Dr Gap tool in 2019.
EXTRAS COVER FOR PREVENTIVE HEALTH
When we introduced extras cover in 1975, we helped Australians access services for better health and wellbeing.
INSURING MEMBERS’ FINANCIAL HEALTH AND WELLBEING
We were the first health fund to offer life insurance products in 1980 to protect members against life’s unexpected hurdles.
HELPING HEALTH STARTUPS MAKE A DIFFERENCE
HCF Catalyst was Australia’s first corporate-backed health-tech accelerator to help startups and scaleups.
DELIVERING UNCOMMON CARE
RECOVER COVERS
Life, illness, accident and income insurance to help protect your family and their way of life*.
TRAVEL INSURANCE
Cover for trips overseas and within Australia. HCF members can save up to 25% with discount code^.
IMPORTANT INFORMATION
*Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 13 13 34 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at hcf.com.au/lifeinfo. These covers are issued by our own HCF life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL241 414 (HCF). The premiums for the life insurance 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.
^ To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page 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.
The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer 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). 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 are eligible for a member discount of at least 10% on HCF Pet Insurance. HCF Ruby and Diamond members get a 15% discount. Existing Manchester Unity Pet Insurance policies are not eligible for discounts under HCF Thank You. Visit the HCF Thank You page for further information. Where relevant, increased discount will be applied automatically at first renewal after advancement in HCF Thank You tier. To be eligible for the discount members need to have the HCF My Membership app or online member services set up. This offer may be subject to change.
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 Ltd 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 1800 630 681 or petinsurance@hcf.com.au.
Manchester Unity Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414, and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Manchester Unity Pet Insurance is closed to new customers and is only available for renewal by existing customers. Manchester Unity Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. 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) and Target Market Determination (TMD) to ensure this product meets your needs before you renew your cover. Manchester Unity Pet Insurance PDS and TMD available at hcf.com.au/petinsurance.