372:) in 1952 marked the beginning of a new era for health insurance in Australia. Previously conducted on a private basis, voluntary health insurance funds were now required to be registered under the National Health Act in order to pay the additional benefits now provided by the Commonwealth. HCF decided to seek registration under the Act, which was duly granted and the Fund's total disbursements of the Commonwealth hospital benefit of 4/- a day from 1 January 1952 (the start of the Scheme) to 30 June 1952 amount to £34,073.
388:
536:
348:
from the State
Government and the name of the Fund was changed to the Hospitals Contribution Fund of NSW. A scheme for a medical benefits fund, to provide insurance against the costs of medical services, had been envisaged by then MHCF and members of the medical profession in 1939 but had been deferred because of the war. However, in 1947, under the sponsorship of the medical profession, the Medical Benefits Fund of Australia(
292:
469:
284:
180:
163:
143:
249:
663:
Australia
Limited announced it had signed a Merger Implementation Deed (MID) in relation to a proposal for a $ 256 million merger with HCF. Manchester Unity members agreed to HCF merger on 15 December 2008. Manchester Unity became a wholly owned subsidiary of HCF on 24 December 2008. Manchester Unity
562:
Like other registered health funds, HCF ceased to pay medical benefits on 1 February 1984 and its health insurance products started to focus on benefits outside the
Medicare scope. HCF extended and was able to offer more than just hospital, ambulance and ancillary cover. It also offered a wide range
347:
continued to grow, indicating the high value now placed by the community on an equitable and efficient hospital insurance system. By 30 June 1945, it had an income of £440,000. In 1945, the Fund extended its area of operations to cover the whole of New South Wales. In 1946, due approval was obtained
303:
In 1941, HCF moved to its first "home-of-its-own" in
Hamilton Street. This building, duly named MHCF House, has now long since been demolished to make way for yet another high rise development in Sydney's booming commercial area. The purchase of its own offices was a forerunner to the conclusion of
272:
The fund's first office was established on the first floor of Adyar House (later the Savoy
Building and now demolished) in Bligh Street. At the end of the first two years of operations, it had enrolled more than 100,000 contributors drawn from 3,290 employment groups and some 5,000 honorary agents,
427:
In 1965, HCF extended its operations to
Victoria as part of a plan to assist Fund contributors throughout Australia. New hospital tables were introduced. Branch transactions became a larger part of HCF's business, with three out of every five claims being presented over the counter at metropolitan
593:
In June 2000, HCF established The HCF Health and
Medical Research Foundation. The Foundation is a not for profit charitable trust established to encourage medical research of all kinds and research and enquiry into the provision, administration and delivery of health services in Australia for the
256:
In 1893, the
Hospitals Saturday Fund of NSW (HSF) was established by Frank Grimley to serve this purpose. Money was raised by conducting a one-day-a-year drive to collect funds from the public and from businesses. These collections were then distributed among participating hospitals. In 1900, HSF
355:
By early 1947, HCF's annual income was well past the £500,000 mark and its cover extended to more than 1,250,000 people in NSW. To accommodate continued rapid growth, HCF purchased the Catton
Building at 199 Liverpool Street, in January 1950. Meanwhile, in 1952, income had risen to £671,633 – a
498:
To maintain its community service role in this new environment, HCF introduced its
Multicover plan from 1 July 1975, providing cover for the medical "gap" (the difference between the Medibank benefit and the Schedule Fee) and for a wide range of other health care services, such as
375:
In 1953, following increases in hospital charges, the HCF family contribution rate was raised to 3/- a week which provided for a weekly hospital benefits of £12/12/- and the age limit on membership was abolished. In 1957, at the end of 25 years' operations, HCF celebrated its
273:
although its area of operations was confined to about 50 square miles (100 km) around the City of Sydney. Contributions were 6d. a week (family) and 3d. a week (single). Benefits paid for hospitalisation in participating hospitals were £2/9/- per week.
578:
linked every branch office with operational departments. The benefits for the member and staff are speedier membership and claim transactions. Full service agents operate at outlets in country areas where membership and claims may be lodged and processed.
447:
contributor service offices, which was completed in 1969 with branches in all States of the Commonwealth. Interstate operations were maintained until changes in the National Health Act in 1970, when the Fund decided to limit its activities and service to
1346:
608:
In 2001 the HCF Regional & Rural Oral Health Program was launched in order to provide its members in the regional and rural areas of NSW quality dental service on a low-cost basis. By the end of 2007, it had expanded to include
404:
arrangements with the MBF which had begun in 1960, when HCF staff had moved to the MBF premises in George Street. As a consequence of increased competition, the fund extended its operations to include medical benefits after the
269:, a new fund was created to better serve the community. The new fund – called the Metropolitan Hospitals Contribution Fund (MHCF) – was launched on Thursday 16 June 1932, with the Lord Mayor (Ald. S. Walder) presiding.
280:. By 30 June 1935, the fund had 156,230 contributors on record. The opening of additional offices on the ground floor of the same building in 1937 set the pattern for HCF's contributor services offices.
648:
to use for promotional purposes. While many clients and the general public were not satisfied with the decision, ultimately the New South Wales Privacy Commissioner judged that HCF had not breached the
495:
coverage from 1 July 1975, followed by hospital coverage from 1 October 1975). This provided HCF and all other Australian health funds with a government run competitor whose services were compulsory.
1466:
276:
Further rapid growth in the Fund's business led to a need for more accommodation and, in December 1934, the Fund removed to offices on the fourth floor of the new Asbestos House in York Street,
1343:
719:
1471:
391:
A Victorian Tram with HCF's ad in 1969 - just before it closing its business in Victoria in 1970, as a result of introducing National Health Act 1970 by the commonwealth government.
617:
members with over 1,500 participating dentists across these states. By 2010 there were over 3,000 providers registered on the HCF Oral Health program across Victoria, Queensland,
1321:
1206:
1476:
660:
491:(now Medicare) fund was established in 1975, and provided medical benefits of 85% of the Schedule Fee for everyone in the community under an income tax levy system. (
431:
By 1967, HCF had changed its name to the Hospitals Contribution Fund of Australia and started advertising under the new name. It had established branch offices in
1491:
984:
731:
1344:
http://www.consumernews.com.au/news/insurance/health-insurance/118/hcf-rate-reduction-for-single-parent-families-benefits-boosted-and-rate-increase-minimised/
343:
Despite many difficulties of the World War II years, including the severe drain on manpower resources and the cessation of many employment groups, the Fund's
1233:
The Australia Private Health Insurance Administration Council Annual Report 2000-01 - Operations of the Registered Health Benefits Organisations, page 74,
480:
to approve increases in contribution rates which the funds required to meet benefit payments on higher public hospital charges. The case was heard in the
1481:
409:
approval. On 1 November 1963, HCF resumed independent operations from 199 Liverpool Street and launched its combined medical and hospital benefits plan.
1461:
605:
initiative, encouraging younger people to take out health insurance. HCF's membership increased by 35% to 336,499 members by the end of 30 June 2001
477:
333:
424:
network throughout metropolitan and country areas. It waived, at its own expense, transfer conditions when higher hospital tables were introduced.
590:
The first HCF Eyecare Centre was opened in July 1992 in George Street, Sydney. This was soon followed by more centres around metropolitan Sydney.
1486:
1222:
340:
was struck by a shell fragment and admitted to St Vincent's Hospital. In due course a claim (No. H711683) was paid in respect of this injury.
1404:
1302:
1362:
1187:
325:
582:
HCF's first Dental Centre was opened in HCF House to provide members with dental treatment for most routine services on 3 November 1986.
324:. During these years MHCF House was never left unattended, day or night, in compliance with National Emergency Services regulations. An
1120:
518:
Sydney, which have since been extended to accommodate additional staff and facilities needed to provide the Fund's expanding services.
559:(Medibank's replacement) to cover medical and public hospital treatment. Health insurers were prevented from paying medical benefits.
1329:
1286:
257:
introduced individual subscription hospital insurance, where contributors and their families paid a regular weekly sum to the fund.
1084:
1386:
1237:
1203:
1072:
1036:
1060:
1024:
1012:
638:
634:
522:
1108:
1048:
1000:
1096:
337:
400:
The commencement of HCF's fourth decade saw a major expansion of the Fund's activities. The decision was taken to end the
618:
453:
356:
twenty-fold increase in 20 years – and grants to public hospitals and medical charities exceeded £100,000 for the year.
1168:
981:
484:, the fund's challenge was successful and the new rates were introduced in accordance with the original submissions.
265:
In 1932, following negotiations between the Hospital Saturday Fund (HSF) and a newly created Hospital Commission of
698:
417:
225:. Founded in 1932, it has grown to become one of the country's largest combined registered private health fund and
1257:
529:
to approve a contribution increase required to meet higher provider charges. Once again the Fund was successful.
287:
HCF's first office was established in Adyar House in Bligh Street, Sydney, which later became the Savoy Building.
1202:
Faculty of Medicine, The University of New South Wales, HCF Health & Medical Research Foundation Guidelines
602:
296:
1223:
http://www.health.gov.au/internet/main/publishing.nsf/content/health-privatehealth-lhc-providers-general.htm
96:
971:
Annual report for the year ended 30 June 1962 - Metropolitan Hospitals Contribution Fund of New South Wales
914:
Annual report for the year ended 30 June 1952 - Metropolitan Hospitals Contribution Fund of New South Wales
857:
Annual report for the year ended 30 June 1942 - Metropolitan Hospitals Contribution Fund of New South Wales
672:
HCF supports and contributes back into the community through a number of charities: Jeans for Genes Day,
673:
598:
515:
365:
352:) was formed, The well-established HCF accepted its invitation to be managing agents for the new fund.
304:
the Fund's first decade of operations during which the original staff of 10 increased to 75 and annual
1408:
645:
614:
556:
488:
1369:
1121:
http://www.search.asic.gov.au/cgi-bin/gns030c?acn=001831250&juris=9&hdtext=ACN&srchsrc=1
548:
In 1982 HCF celebrated its 50th anniversary. Its Annual Report reviewed its development since 1932.
526:
552:
532:
HCF Life Insurance Pty Ltd., a wholly owned subsidiary company, was established in January 1980.
457:
377:
1184:
514:
In November 1975, the head office staff completed their occupation of HCF's new premises at 403
1085:
https://news.google.com.au/newspapers?id=Hf1jAAAAIBAJ&sjid=HOcDAAAAIBAJ&pg=6632,1868577
476:
In October 1974, HCF, in association with MBF, challenged the refusal by the then Commonwealth
240:
for a full range of health cover including pet insurance, travel insurance and life insurance.
229:
company. HCF is the third-largest health insurance company by market share, and is the largest
1204:
http://www.med.unsw.edu.au/medweb.nsf/resources/RF1/$ file/HCF+Foundation+advert+Oz+120706.pdf
481:
381:
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1073:
https://news.google.com.au/newspapers?id=F_1jAAAAIBAJ&sjid=HOcDAAAAIBAJ&pg=6674,60439
1037:
https://news.google.com/newspapers?id=tLEpAAAAIBAJ&sjid=KeUDAAAAIBAJ&pg=1574,10322457
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https://news.google.com/newspapers?id=Zg5SAAAAIBAJ&sjid=ROcDAAAAIBAJ&pg=1362,2136666
1025:
https://news.google.com/newspapers?id=wIJWAAAAIBAJ&sjid=7-QDAAAAIBAJ&pg=1389,4516219
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https://news.google.com/newspapers?id=w4NWAAAAIBAJ&sjid=wuUDAAAAIBAJ&pg=5862,3992641
650:
575:
568:
492:
237:
214:
123:
113:
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https://news.google.com/newspapers?id=VJ9WAAAAIBAJ&sjid=I-cDAAAAIBAJ&pg=1120,702944
1049:
https://news.google.com/newspapers?id=-INWAAAAIBAJ&sjid=peUDAAAAIBAJ&pg=5655,159656
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https://news.google.com/newspapers?id=tocVAAAAIBAJ&sjid=OuYDAAAAIBAJ&pg=7306,211187
387:
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https://news.google.com/newspapers?id=--5UAAAAIBAJ&sjid=CpMDAAAAIBAJ&pg=5436,24789
988:
664:
ceased to be a registered health insurer under the Act immediately prior to 30 June 2011.
622:
535:
266:
222:
62:
1422:
641:
Limited. IOR had most of its policy holders in Victoria, Queensland and South Australia.
564:
500:
380:
with benefit payments for the year amounting to £3,170,408. By 1962, after 30 years of
230:
226:
118:
1234:
252:
HCF's first-ever advertisement on Wednesday 22 June 1932 on The Sydney Morning Herald.
1455:
508:
401:
128:
328:
shelter was built in the basement and the entire male staff of 24 was formed into a
1282:
PHIAC Media Release: PHIAC Approved Sale of IOR Australia to HCF, 4 November 2002,
329:
321:
291:
982:
http://www.mbf.com.au/MBF/Demutualisation/Forms/MBF%20Information%20Memorandum.pdf
783:
89:
1155:
The Hospitals Contribution Fund of Australia Limited 1987 Annual Review, Page10
1144:
676:, World Retina Day, Pink Ribbon Day and the National Breast Cancer Foundation.
644:
In early 2007 HCF was caught providing personal information of its clients to
610:
468:
444:
412:
In 1964 HCF upgraded its administrative procedures by installation of its own
406:
369:
283:
155:
1322:"HCF and the ´Helping Hand´ Decision - Government, Public Sector - Australia"
936:
924:
903:
879:
846:
831:
819:
795:
771:
759:
511:, home nursing and overseas health care, which were not covered by Medibank.
960:
948:
891:
432:
30:
1165:
807:
1119:
The Australian Securities and Investments Commission National Names Index
625:
and regional NSW. It has been treating over 65,000 HCF members each year.
248:
436:
413:
344:
718:
PHIAC Annual Report 2009-10 - Operations of the Private Health Insurers
420:
as an integral part of its operations. The Fund continued to expand its
1405:"Manchester Unity Official Website: Information on the merger with HCF"
1261:
504:
305:
637:
Pty Ltd, a registered health benefit organisation previously owned by
440:
421:
317:
277:
218:
58:
308:
had grown from £31,757 at 30 June 1933 to £364,180 at 30 June 1942.
534:
467:
386:
299:, Sydney was purchased by HCF, who then took up residence in 1953.
290:
282:
247:
172:
732:"Not-for-profit health funds HCF and RT spruik post-merger value"
332:
patrol to protect the building. On the night of 7 June 1942 when
1143:
Private Health Insurance (Health Insurance Business) Rules 2010
521:
Towards the end of 1977, HCF took court action to appeal to the
349:
449:
1185:
http://hcf09.annual-report.com.au/commitment_to_community.php
146:
1133:
http://www.medicareaustralia.gov.au/about/index.jsp#N1009A
1446:
1183:
Corporate Social Responsibility, HCF Annual Report 2009
472:
A HCF staff member is serving a customer in early 1980s.
1284:
http://www.phiac.gov.au/media-releases/ior-sale-to-hcf/
1221:
Lifetime Health Cover, Department of Health and Aging
830:
The Sydney Morning Herald, Thursday 19 September 1935
594:
benefit of HCF contributors and the public generally.
539:
HCF members are served in the Pagewood Branch in 1987.
364:
The introduction of the National Health Scheme by the
656:
In June 2007 HCF celebrated its 75-year anniversary.
320:
of the Fund's development began at the height of the
782:
Australian Dictionary of Biography, Online Edition,
192:
1467:
Medical and health organisations based in Australia
1235:
http://www.phiac.gov.au/resources/file/82pa2001.pdf
1071:The Sydney Morning Herald Wednesday 1 October 1975
869:
HCF Annual Review 1982 - Page 3 'The Growing Years'
187:
170:
153:
137:
106:
79:
69:
54:
36:
26:
1023:The Sydney Morning Herald Wednesday 15 March 1967
999:The Sydney Morning Herald Friday, 2 November 1962
902:The Sydney Morning Herald, Wednesday 21 June 1950
818:The Sydney Morning Herald, Friday 10 January 1936
758:The Sydney Morning Herald, Wednesday 22 June 1932
1107:The Sydney Morning Herald Tuesday 3 January 1978
1083:The Sydney Morning Herald Tuesday 7 October 1975
1035:The Sydney Morning Herald Wednesday 31 July 1974
1011:The Sydney Morning Herald Monday 14 October 1963
878:The Sydney Morning Herald, Thursday 31 July 1947
794:The Sydney Morning Herald, Thursday 16 June 1932
1472:Financial services companies established in 1932
845:The Sydney Morning Herald, Tuesday 10 July 1945
806:The Argus (Melbourne, Vic) Tuesday 10 July 1945
770:The Sydney Morning Herald, Monday 23 April 1928
1368:(Press release). 28 August 2008. Archived from
1059:The Sydney Morning Herald Tuesday 10 June 1975
1047:The Sydney Morning Herald Friday 2 August 1974
1387:"Manchester Unity members agree to HCF merger"
923:The West Australian, Wednesday 2 January 1952
841:
839:
784:http://adbonline.anu.edu.au/biogs/A090119b.htm
443:. These were the first links in the chain of
8:
1145:http://www.comlaw.gov.au/Details/F2010L01740
935:The West Australian, Tuesday 1 January 1952
21:
1303:"Health fund leaking patient medical files"
959:The Canberra Times, Wednesday 2 April 1952
947:The Canberra Times, Tuesday 12 August 1952
890:The Canberra Times, Tuesday 19 August 1947
754:
752:
360:The years of Commonwealth support 1952–1962
937:http://nla.gov.au/nla.news-article49007958
925:http://nla.gov.au/nla.news-article49008301
904:http://nla.gov.au/nla.news-article18164227
880:http://nla.gov.au/nla.news-article18037660
865:
863:
847:http://nla.gov.au/nla.news-article17946561
832:http://nla.gov.au/nla.news-article29538376
820:http://nla.gov.au/nla.news-article36210157
796:http://nla.gov.au/nla.news-article16899749
772:http://nla.gov.au/nla.news-article16458988
760:http://nla.gov.au/nla.news-article28032137
20:
1477:Health care companies established in 1932
1423:"HCF - National Breast Cancer Foundation"
980:MBF Information Memorandum 20 March 2008
961:http://nla.gov.au/nla.news-article2852063
949:http://nla.gov.au/nla.news-article2861589
892:http://nla.gov.au/nla.news-article2722911
1251:
1249:
808:http://nla.gov.au/nla.news-article966391
693:
691:
689:
207:Hospitals Contribution Fund of Australia
22:Hospitals Contribution Fund of Australia
1166:http://www.hcfeye.com.au/pages/about-us
685:
384:, total benefits paid were £9,202,720.
1492:Privately held companies of Australia
7:
1320:Wood, Tracey (25 September 2007).
334:Japanese submarines shelled Sydney
312:The war years and beyond 1942–1952
14:
1482:Organizations established in 1932
730:Koehn, Emma (16 September 2021).
1462:Insurance companies of Australia
1363:"Manchester Unity Media Release"
659:On 28 August 2008, the Board of
525:against the refusal by the then
179:
178:
162:
161:
142:
141:
544:The challenging years 1982–1992
523:Administrative Appeals Tribunal
1260:(Report). 2010. Archived from
1095:The Age Monday 2 January 1978
633:In November 2002 HCF acquired
487:The Commonwealth Government's
1:
1487:Health insurance in Australia
1164:HCF Eyecare Official Website
464:The expanding years 1972–1982
586:The changing years 1992–2002
478:Minister for Social Security
236:HCF provides private health
16:Company in Sydney, Australia
574:By the end of 1986 the HCF
396:The growing years 1962–1972
1508:
418:electronic data processing
233:health fund in Australia.
209:, commonly referred to as
736:The Sydney Morning Herald
567:products and, as agents,
368:Minister for Health (Sir
261:The early years 1932–1942
1349:25 February 2011 at the
1171:18 February 2011 at the
1255:HCF Annual Report 2010
699:"Annual Review 2020–21"
295:The Catton Building in
166:A$ 149.8 million (2021)
1407:. 2008. Archived from
1258:HCF 2010 annual report
540:
473:
428:and country branches.
392:
300:
288:
253:
215:private health insurer
183:A$ 2.99 billion (2021)
42:; 92 years ago
1391:Sydney Morning Herald
1342:Consumer News, 2007,
1307:Sydney Morning Herald
1240:27 March 2011 at the
1209:13 April 2011 at the
987:14 March 2011 at the
674:Motor Neurone Disease
668:Social responsibility
646:McKesson Asia Pacific
603:Lifetime Health Cover
599:Australian Government
538:
471:
390:
294:
286:
251:
1289:2 April 2011 at the
1190:2 March 2011 at the
639:IOR Friendly Society
597:On 1 July 2000, the
1393:. 15 December 2008.
1332:on 7 February 2022.
1131:Medicare Australia
527:Minister for Health
336:, a contributor in
213:, is an Australian
149:3.18 billion (2021)
23:
1375:on 29 August 2008.
1309:. 3 February 2007.
553:Federal Government
541:
474:
458:Northern Territory
393:
378:silver anniversary
301:
289:
254:
1411:on 11 March 2011.
1264:on 17 August 2011
482:NSW Supreme Court
382:community service
217:headquartered in
203:
202:
40:16 June 1932
1499:
1447:Official website
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1328:. Archived from
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695:
661:Manchester Unity
651:Privacy Act 1988
576:computer network
569:travel insurance
493:Medical services
402:joint management
297:Liverpool Street
199:
196:
194:
182:
181:
175:
165:
164:
145:
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124:Travel insurance
114:Health insurance
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629:2002 and beyond
623:South Australia
588:
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466:
416:and introduced
398:
362:
314:
267:New South Wales
263:
246:
238:insurance cover
223:New South Wales
191:
171:
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551:In 1983 the
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173:Total assets
55:Headquarters
18:
601:introduced
555:introduced
71:Area served
65:, Australia
1456:Categories
741:21 October
704:21 October
680:References
611:Queensland
445:interstate
407:Government
370:Earle Page
156:Net income
81:Key people
47:1932-06-16
433:Melbourne
330:voluntary
75:Australia
31:Insurance
1428:5 August
1347:Archived
1287:Archived
1268:29 March
1238:Archived
1207:Archived
1188:Archived
1169:Archived
985:Archived
615:Victoria
557:Medicare
489:Medibank
437:Brisbane
414:computer
345:revenues
326:air raid
107:Products
27:Industry
505:optical
306:revenue
244:History
188:Website
138:Revenue
45: (
37:Founded
1326:Mondaq
501:dental
452:, the
441:Hobart
422:branch
318:decade
278:Sydney
219:Sydney
59:Sydney
1373:(PDF)
1366:(PDF)
90:Chair
1430:2016
1270:2011
743:2022
706:2022
613:and
456:and
439:and
205:The
195:.com
619:ACT
563:of
454:ACT
450:NSW
350:MBF
211:HCF
197:.au
193:hcf
147:A$
97:CEO
1458::
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