The Hospitals Contribution Fund Of Australia Limited

HCF is Australia's largest not-for-profit health fund, with a proud history spanning over 90 years of putting members' health before profit. Founded in 1932, HCF has grown to protect the health and wellbeing of over 2 million Australians with comprehensive health, life, travel and pet insurance options. Unlike for-profit insurers, HCF doesn't pay shareholders - instead, members' premiums go directly toward covering healthcare costs and pioneering innovative ways to deliver better health outcomes. For every dollar spent on premiums, HCF has paid out an average of 90 cents back to members over the past decade, surpassing the industry average. As a not-for-profit organization, HCF reinvests in its members through award-winning products and services designed to make healthcare more affordable and accessible. The company has introduced numerous industry firsts, including the first multicover plan to 'cover the gap' in extras services, one of the first health fund-operated dental centre networks, and Australia's first on-demand injury cover through Flip. HCF also drives healthcare innovation through the HCF Research Foundation, funding vital health services research, and HCF Catalyst, an accelerator program supporting health technology startups. Their commitment to uncommon care has earned them recognition for customer service excellence and outstanding value health insurance.