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HCF (Hospitals Contribution Fund of Australia)

HCF

91Score

★★★★☆4.5

Customer satisfaction · 1.8M members

Roy Morgan: Most Trusted Health Insurance Brand 2025(2025)Canstar: Outstanding Value 2025(2025)

HCF is Australia's largest not-for-profit health fund and third-largest insurer by market share. Named the Most Trusted Brand in Private Health Insurance by Roy Morgan in 2025, HCF has over 90 years of history and generated A$4.182 billion in revenue with A$2.835 billion in total assets.

Overall Score

91/100

Founded

1932

Headquarters

Sydney, New South Wales

Type

private

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Key Metrics

Market Position

3rd largest; largest not-for-profit

Revenue

A$4.182 billion (2025)

Total Assets

A$2.835 billion (2025)

Structure

Not-for-profit

Editorial Ratings

Roy Morgan: Most Trusted Health Insurance Brand 2025(2025)

Rating: Most Trusted Brand in Private Health Insurance 2025 (max: Most Trusted Brand)

92Roy

Canstar: Outstanding Value 2025(2025)

Rating: Outstanding Value — Hospital & Extras (TAS, 2025) (max: 5 Stars / Outstanding Value)

90Canstar

Coverage Highlights

✓Most Trusted Brand in Private Health Insurance (Roy Morgan 2025)
✓Largest not-for-profit health fund in Australia
✓Own dental and eyecare centres
✓Life, travel, and pet insurance also available
✓Over 90 years of operating history

Pros

✓Most trusted health insurance brand in Australia (Roy Morgan)
✓Not-for-profit means more value returned to members
✓Strong Canstar ratings
✓Over 90 years of operating history

Cons

✗Smaller network than Medibank/Bupa
✗Less competitive on some budget/basic products
✗Primarily NSW-focused historically (expanding nationally)

Frequently Asked Questions

Is HCF a not-for-profit health fund?

Yes. HCF is Australia's largest not-for-profit health fund. This means profits are returned to members through better benefits and lower premiums rather than distributed to shareholders.

Why is HCF considered the most trusted health insurer?

HCF was named the Most Trusted Brand in Private Health Insurance by Roy Morgan in 2025, reflecting consistently high member satisfaction, transparent pricing, and 90+ years of reliable service.

Does HCF offer dental and eyecare?

Yes. HCF operates its own dental and eyecare centres in addition to covering dental and optical through its extras cover. Members receive higher benefits when visiting HCF-owned centres.

Quick Summary

InsurerHCF (Hospitals Contribution Fund of Australia)

Country🇦🇺 Australia

Overall Score91/100

Satisfaction4.5/5

Members1.8M

Typeprivate

Founded1932

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