At HCF our purpose is to champion our membersÕ health. From humble beginnings in 1932, to our long standing position as AustraliaÕs largest not-for-profit health fund, we provide genuine value to our 1.5 million members through health and life insurance, community care, travel and pet insurance. As part of our 2020 vision we are committed to making health care understandable, affordable, high quality and customer centric. We empower our members with the knowledge and information to make informed decisions about their health. Through our HCF Catalyst program we invest in the future of AustraliaÕs health by supporting small businesses with big ideas, and we fund researchers working to improve health outcomes for all Australians, through the HCF Research Foundation. We bring health to local communities through our expanding branch and dental network, and our promotion of health awareness campaigns and partnership programs keeps Australians informed about their health and the lifestyle changes they can make to prevent illness. WeÕre also committed to investing in the health and happiness of our people. We value diversity, inclusion and equality in the workplace, and are dedicated to creating a working culture where staff members can flourish. We believe that giving employees a safe, healthy and sustainable work environment is a priority. We have four norms which define how we do things at HCF: People matter; Be brave; Empowered and autonomous; and Respectful and efficient. Embracing these norms provides our people with the foundation to do things differently, setting new goals and being ready to take on new challenges.