Australia’s leading health tech
accelerator program

About HCF

Our mission to build a healthier Australia.

We're a little different from most health funds; we're not driven by profit but by improving and safeguarding the health of our members.

That's why, since 1932, we've focused on helping hundreds of thousands of Australians lead healthier lives and get the most from the healthcare system.

Our vision is to improve health care for all Australians, which is why this year’s HCF Catalyst focus is on improving patient outcomes. Adoption of new technologies and business models that help us better meet our customers' needs is the best way to ensure the wellbeing of our members remains the focus.

"At HCF, our 2020 vision is to make health care understandable, affordable, high quality & member centric. HCF Catalyst is a key part of that vision and focuses on how new technologies and business models can improve health outcomes not just for our members but for all Australians. Over the past three years we have had so many inspiring entrepreneurs take part in the program & transform their ideas into viable, investment ready businesses. We continue to work with many of these businesses. This year, we are again looking for the brightest minds from a range of backgrounds to develop ideas that can really make an impact & disrupt the health care industry.” 

Sheena Jack
Chief Executive Officer of HCF


What not-for-profit means

Put simply, it means the profit we make goes back into the fund instead of being divided among shareholders.

On average, over the last 5 years we've paid out more cents in every dollar in premiums to members as benefits, than the industry average.

This enables us to run programs like HCF Catalyst. Now in its fourth year, HCF Catalyst is designed to help Startups and Scaleups transform their innovative health and wellness ideas into investment-ready businesses.

Providing a range of industry-leading health insurance products and services, we also offer products across life, travel and pet insurance.

For more on HCF visit

OVER 1.5 MILLION MEMBERS across Australia

19,000+ PROVIDER LOCATIONS participating across Australia

$2.2B PAID OUT to our members in hospital and extras claims

95% MEDICAL GAP COVERAGE  for all HCF against industry standard of 93% (proportion of no or known gap services)


561,879 HOSPITAL ADMISSIONS were recorded for members

95,000+ MEMBERS visited an HCF Dental Centre

584,000 SERVICES DELIVERED in our Dental Centres


*statistics from HCF 2017 Annual Report