Putting members’ health before profit


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When it comes to health, you can count on HCF. They were recognised as Australia’s most trusted health fund by Roy Morgan Net Trust survey for 3 years running*.

Unlike for-profit health insurers, HCF don’t exist to make a profit for shareholders. Instead, members’ premiums go towards covering the cost of their healthcare and operating the HCF business efficiently to deliver the best outcomes for members, now and in the future.

For every dollar their members pay in premiums, HCF paid out more benefits than the industry average over the past 5 years^. 

We think that’s pretty uncommon.

*Roy Morgan Net Trust Survey 2018, 2019 and 2020.

^ 90% compared to 86% across the industry. Calculated based on the average of the past 5 years, sourced from APRA, APRA, Statistics: Private Health Insurance Operations Report 2016-20, June 2020.


HCF offer a wide range of flexible health cover options to suit your needs. But HCF take care of more than health insurance to help protect you and your family when life’s hurdles come your way. 

If you’re moving to Australia for work, HCF can help you find the right cover with their Overseas Visitors Health Cover. 

Please note that HCF Pet Insurance and HCF Travel Insurance are general insurance products and are not part of the health insurance business of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746 AFSL 241414 (HCF). Please do not assume that pet insurance and health insurance are similar.  HCF Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance, as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 23708 (Allianz). HCF arranges this insurance as agent for Allianz.  Before making a decision, please consider the relevant Product Disclosure Statement and Financial Services Guide available at hcf.com.au/travel.


HCF is open to all Australian residents.


HCF operates in all Australian States and Territories.