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.
AWARDED AUSTRALIA’S MOST TRUSTED HEALTH FUND 2025
As Australia’s largest not-for-profit health fund, our members can count on us to put their needs first. That’s why we’re proud to have been named Australia’s Most Trusted Brand in Private Health Insurance for 2025* by independent research company Roy Morgan.
With no shareholders to answer to, our focus is always where it should be – supporting our more than 2 million members with great value health insurance. In fact, we’ve paid out more member benefits for every premium dollar than the industry average+.
Our member-owned status means we reinvest more back in to enhancing health products, services and support, delivering real value for members.
OUTSTANDING VALUE HEALTH INSURANCE 10 YEARS IN A ROW
At HCF, we’re focused on providing high-quality cover that meets the health and budget needs of everyday Australians. That’s why we’re proud to have won Canstar’s Outstanding Value Award for Health Insurance for 10 years in a row (2016 to 2025). We were also recognised for providing Outstanding Value Hospital and Extras Insurance for 2025 in Tasmania.
These awards reinforce our commitment to delivering great value health insurance and genuine care to our more than 2 million members. And with no shareholders to answer to, we’ll continue to put people before profit, every time.
AWARD-WINNING INSURANCE
We're proud to have been recognised as a leader in value and trust among both health and life insurance providers at the 2024 Finder Customer Satisfaction Awards.
This year, we received the award for:
- Top Value Health Insurance
- Most Trusted Direct Life Insurance.
We also ranked third for Trusted Brand (health), Quality Service (health) and Loved Brand (health), highlighting our dedication to supporting our member's health and wellbeing.
We also won the 2024 Finder Health Insurance Award for our Hospital Bronze Plus $750 Excess cover in the Best Health Insurance - Bronze Hospital category and our Hospital Standard Silver Plus cover was also recognised as highly commended in the Health Insurance - Silver Hospital category.
WEMONEY AWARD WINNERS
We’re proud that our health and life insurance products have been recognised by WeMoney.
- Health Insurer of the Year (2025)
- Best for Comprehensive Cover Health Insurance (2025)
- Best for Quality Health Insurance (2025)
- Best for Income Protection Insurance (Direct), 4 years running (2022 to 2025)
- Outstanding Customer Service – Income Protection, 2 years running (2024 to 2025)
- Outstanding Customer Service – Life Insurance (2025)
- Best for Flexibility – Life Insurance (2025)
Award-winning customer service
We're proud to have been recognised at the 2025 Australian Service Excellence Awards, taking home the Customer Service Organisation of the year award in the Government/Not for Profit category.
HCF Ballina Branch Manager Rebecca Simmons won Customer Service Leader of the Year, the HCF Contact Centre won the Service Champion award for Excellence in a Large Contact Centre and HCF Contact Centre Training Manager Jodie Ross-Daly was awarded Service Hero for Learning and Development Professional of the Year.
AWARD-WINNING INCOME PROTECTION INSURANCE
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 Best Value Direct Income Protection Insurance, 2 years running (2024 to 2025).
- Mozo’s Experts Choice Award for Exceptional Value Income Protection, 4 years running (2022 to 2025).
AWARD-WINNING PET INSURANCE 2 YEARS IN A ROW
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.
Forbes World’s Best Insurance Companies 2025
HCF Life has been recognised by Forbes as one of the Best Life Insurance Companies in Australia.
AWARDED FOR EXCELLENCE 6 YEARS IN A ROW
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#.
AWARD-WINNING HEALTH AND WELLBEING APP
Our new HCF Healthful app has been awarded the 2025 Financial Standard’s Industry Service Award for Health and Wellness – Individual Life. The award highlights the additional value our Life and Recover Cover members can now receive with their cover through the HCF Healthful app - where managing your health feels doable, no matter where or when your journey begins.
Learn more about the HCF Healthful app
RECOMMENDED BRAND FOR OVERSEAS VISITORS HEALTH COVER
Our 2 million members are at the heart of everything we do, whether they are Australian-based or overseas.
That's why we're proud to have been recognised as one of the top recommended Overseas Visitor Health Cover brands with quality service and easy claims at the 2025 Finder Customer Satisfaction Awards.
To learn more about our OVHC range, visit hcf.com.au/health-insurance/overseas-visitors
IMPORTANT INFORMATION
* Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025.
+ 88.8% compared to 85.3% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014-23 and quarterly private health insurance statistics July 2023-March 2024.
^ 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. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/insurance/pet. 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 13 13 34.
# HCF Life Protect and Recover Cover products are issued by HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life) and arranged by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), which wholly owns HCF Life. HCF and HCF Life do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo. The relevant Target Market Determination is also available at hcf.com.au/lifeinfo. The premiums for HCF Life Protect and 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.
