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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Canstar is Australia’s biggest financial comparison site, helping you feel confident when making a purchase.

After considering thousands of health insurance policies, they awarded us the National Award for Outstanding Value in Health Insurance for the 6th year in a row (2016 - 2021).

We were also recognised for:

  • Hospital cover in NSW, NT, Qld, SA, WA & Tas
  • Extras cover in NSW, NT, Tas and WA
  • Hospital & Extras package in NSW, SA, NT, Tas and WA.

Recognised for customer service

We're proud to have been recognised for the Uncommon Care we show our members. We won the Australian Service Excellence Awards by the Customer Service Institute for 9 years*. 


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


Our Income Protect Insurance was awarded the 2022 Mozo Experts Choice Award for Exceptional Value Income Protection#. Cover that can help you with the unexpected costs that come with recovery - that's uncommon.


We’re proud to be recognised by the Plan for Life Excellence Awards – Direct Life Insurance for 4 years in a row. Our unique range of recovery and life insurance products were awarded the Trauma Standalone, Accidental Injury and Innovation Product Awards for 2021#.
Recover Cover - just another way HCF provides Uncommon Care.


*Recognised 9 years 2012-2020.

+Awarded Outstanding Value Health Insurance by Canstar in 2016-2021. In 2021, we were also recognised for; Hospital cover in NSW, NT, Qld, SA, WA & Tas. Extras cover in NSW, NT, Tas and WA. Hospital & Extras package in NSW, SA, NT, Tas and WA.

^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.