About HCF

Our mission to build a healthier Australia.

We're a little different from most health funds; we're not driven by profit but by improving and safeguarding the health of our members. 

That's why, since 1932, we've focused on helping hundreds of thousands of Australians lead healthier lives and get the most from the healthcare system.

what not-for-profit means

Put simply, it means the profit we make goes back into the fund instead of being divided among shareholders. 

On average, over the last 5 years we've paid out more cents in every dollar in premiums to members as benefits, than the industry average. 

It also enables us to provide:

  • My Health Guardian – programs to boost overall health and wellbeing and help manage chronic conditions
  • My Global Specialist – free second opinions from leading experts
  • Healthy Weight for Life – weight loss programs for members with type 2 diabetes, heart conditions or osteoarthritis
  • My Helping Hand – a 24/7 telephone support program for members with mental health conditions
  • Apps to help members manage their membership, quit smoking, get fitter, and more
  • In-branch heart health checks
  • More for You no-gap extras – a range of fully covered services, including dental, optical and physio
  • Access to health and wellbeing services, such as quit smoking programs and swimming lessons

We've also launched:

  • The HCF Research Foundation, which funds research projects that help improve the health of all Australians
  • HCF Catalyst, an accelerator that helps turn health technology start-ups into viable businesses 

To find out more about how the fund operates, and read our latest annual report, go to Governance and structure.

Find out more about us

Governance & Structure

Our people and policies ensure our members' interests come first. Find out more about how HCF works.


We champion all Australians' health by choosing partners who share our vision of a healthier future.

Our history

We’ve been putting Australians’ health first for more than 80 years. Discover our story so far.  

what we offer

Health insurance

Hospital, extras and ambulance cover for singles, couples and families.

Income, Illness & Injury cover

Life, illness, accident and income insurance to protect your family and way of life.

Travel insurance

Cover for trips overseas and within Australia. HCF members save 10%.

Pet insurance

Protect your pet with cover that's right for them. HCF members save 10%.