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HCF (The Hospitals Contribution Fund of Australia). HCF Health Insurance is one of the best country’s largest combined registered private health fund and life insurance organisations cover to Australians with more than 1 million members .
HCF Group (HCF Health Fund and Manchester Unity) is the best not-for-profit health fund in Australia, and the third largest health insurance company by market share.
Since then, HCF Health Insurance provide the best insurance services directed to Australians.

The HCF Group consists of HCF (incorporating the Health Fund and HCF No.2 Pty Limited, formerly IOR Australia Pty Limited) and HCF Life. As a whole, the Group provides health cover for 1,010,834 Australians with 386,084 members also having HCF Life insurance policies.

Last financial year HCF returned 90 cents in hospital and extras benefits for every dollar of contributions it received from members. The average return from other funds was 84 cents. HCF’s higher benefit payment reflects the fact that it covers more of the medical gap than other funds and has the lowest overnight co-payments. HCF also does not apply excesses for surgical and medical procedures performed on a same day basis (which account for over 60% of all hospital admissions) or for overnight admissions to hospitals following accidents.

HCF is a not-for-profit health fund that was created in 1932. It is one of Australia’s largest funds that combines provision of private health cover with life insurance and is notable for being in a minority of large health funds that permit contributors to vote for Directors to the Board.
HCF gained its current name in 1967. Prior to that, it was known as the Metropolitan Hospitals Contribution Fund. HCF now has branches in Victoria, Queensland, New South Wales, South Australia and Australian Capital Territory.
The fund provides health cover for private hospital admissions, nation-wide ambulance cover and ancillary services. HCF provides health care services and benefits to an excess of 1 million Australians and life insurance to more than 386,000 subscribers.
HCF established a wholly-owned subsidiary, HCF Life Insurance Pty. Ltd., in 1982 and the HCF Health and Medical Research Foundation in 2002. The not-for-profit trust was established to encourage medical research and studies on Australian health services to benefit the general public.