For over 90 years, our members have trusted us to protect their health and wellbeing, and in return we've provided quality cover and healthcare that's right for them. Because as Australia's largest not-for-profit health fund, we believe in delivering our members a level of care that's uncommon. From humble beginnings in 1932, we've grown to become the nation's largest not-for-profit health fund, helping to protect the health and wellbeing of over 1.8 million Australians with health, life, travel or pet insurance. And we remain constant to our not-for-profit charter, continuing to provide the highest standard of healthcare while returning more benefits to our members. We're also proud of our many industry firsts. Over the years, we've been at the forefront of healthcare innovation, from introducing the first multicover plan to "cover the gap" in extras services, to opening one of the first health fund operated dental centre networks and launching Australia's first on-demand injury cover*. Because we believe in making healthcare understandable, affordable and high quality for our members, they're empowered to make informed decisions about their health. Through the HCF Catalyst program, we continue to invest in the future of Australia's health by supporting small businesses with big ideas, and fund researchers working to improve health outcomes for all Aussies through the HCF Research Foundation. We're also committed to investing in the health and wellbeing of our staff. At HCF, we value diversity, inclusion and equality in the workplace, and are dedicated to creating a working culture where staff can flourish. We believe that giving employees a safe, healthy and sustainable work environment is a priority. * Issued by HCF Life. Consider the PDS and TMD at getflip.com.au.