At HCF, we believe your health shouldn’t be for profit. We’re focused on providing great value health insurance, not profits for shareholders. We want to help you get the most from your cover and live your healthiest life.

We’re proud that our cover has been recognised by independent review body Canstar for meeting Australians’ needs and budgets. And, because members are at the heart of everything we do, we're delighted to be recognised for our commitment to customer service.

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At HCF, our focus is where it should be – on providing great value insurance for our members.

That's why we're pleased to announce we've won 11 awards at this year’s Canstar’s Health Insurance Awards, including the highly coveted Outstanding Value Award for Health Insurance for the 8th year in a row (2016-2023).

We were also recognised for continuing to provide outstanding value across Extras and Package State Awards, including:

  • Extras Insurance Award – NSW, Vic, Qld and Tas
  • Hospital & Extras Insurance Award – Vic, Qld, WA, SA, Tas and NT

We’re proud that our cover has been recognised by independent review body Canstar for meeting Australians’ needs and budgets. Just another way we’re putting our money where our members are++.

Award-winning health insurance

We’re excited to announce we've won the 2024 Finder Health Insurance Award for our Hospital Bronze Plus $750 Excess cover in the Best Health Insurance – Bronze Hospital category. Based on value for money, we scored higher than all eligible bronze hospital policies on the market.

Our Hospital Standard Silver Plus cover was also recognised as highly commended in the Health Insurance – Silver Hospital category. 

Award-winning customer service

We're proud to have been recognised for outstanding member service at the 2023 Australian Service Excellence Awards, taking home Customer Service Organisation of the Year (Large) for the second year running and recognised as Service Champion for Service Excellence in a Large Contact Centre.


Your furry friends deserve exceptional care when it comes to their health and wellbeing. We're proud to have been awarded the Mozo Experts Choice Award for Exceptional Quality Pet Insurance for 2021 and 2022^. Helping your pet get the care they need, when they need. That's Uncommon Care.


Here at HCF, we take care of more than just health insurance. And we're proud to have been recognised for our commitment to delivering insurance# products that help you with the unexpected costs that come with recovery.

  • Money magazine’s Best of the Best 2024 award for Best-Value Direct Income Protection Insurance
  • WeMoney’s Best for Income Protection Insurance (Direct) award, 3 years running (2022 to 2024)
  • WeMoney's Outstanding Customer Service (Income Protection) award for 2024
  • WeMoney's Best for Value (Life Insurance) award 2024 finalist
  • Mozo’s Experts Choice Award for Exceptional Value Income Protection, 3 years running (2022 to 2024).


Our unique range of recovery and life insurance products has been recognised by the Plan for Life Excellence Awards – Direct Life Insurance for 6 years in a row. With our Recover Cover range being the Innovation Product Award winner for 2 years running (2020-2021).

We were also awarded the Trauma - Stand Alone award 2 years in a row (2021-2022) for our Critical Illness Cover, and our Personal Accident Insurance was the Accidental Injury winner for 2019-2023#.


HCF Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (AFSL 241436). The insurance is distributed and promoted by The Hospitals Contribution Fund of Australia Limited (HCF) ABN 68 000 026 746 (AFSL 241414) and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (AFSL 420183). Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider the Product Disclosure Statement before deciding if the product is right for you. Product Disclosure Statement and Target Market Determination are available at Do not assume that pet insurance and health insurance are similar. HCF may receive a commission of up to 17% of the premium for promoting HCF Pet Insurance policies.

# Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting, 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 Our Recover Cover products 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, AFSL 241 414 (HCF). The premiums for Recover Cover 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.

++ Based on number of Canstar National and State based Health Insurance Awards from 2008 to 2023. Outstanding Value Health Insurance 8 years in a row (2016-23). Winner of the 2023 Extras Insurance Award in NSW, Vic, Qld and Tas, and the Hospital and Extras Insurance Award in Vic, Qld, WA, SA, NT and Tas.