Our Mission
HCF’s mission is to satisfy the needs of Australians for access to affordable, high quality health care when and where they need it, personal protection, and peace of mind.

Our Vision
To be the leader within our industry when it comes to:
• Choosing a health fund
• Achieving better health outcomes for members
• Highly efficient, low cost operations
• Being good people to do business with
• Setting the standard for financial and ethical responsibility.

Our Values
• Integrity
• Customer focus
• Personal accountability
• Strong leadership and teamwork
• Innovation.

Background
HCF was established in 1932 to provide the community with the means of insuring against the cost of hospital care. Since then, it has grown to become one of the country’s largest combined private health and life insurance organisations.

In December 2008, the HCF business was further expanded through a merger with Manchester Unity Australia Limited (MU). The Manchester Unity Health Insurance business was fully integrated into HCF Health Insurance from 30 June 2011 and will no longer operate or be reported as a separate business.
HCF is financially secure, has no borrowings and is one of the few major health funds to enfranchise contributors to participate in the governance of the organisation. HCF is a public company limited by guarantee.

HCF operates on a not-for-profit basis and is registered under the Private Health Insurance Act 2007. To service our growing national membership, we maintain a network of branch offices in New South Wales, the Australian Capital Territory, Queensland, Victoria and South Australia, with national coverage provided by our call centres and our online branch at www.hcf.com.au.