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HIGHLIGHTS
ABOUT HCF GROUP
HCF Group
At a glance chart
HOW WE PERFORMED
CHAIRMAN'S REPORT
Greg. J. Gardiner
CHIEF EXECUTIVE OFFICER'S REPORT
Performance - Five Year Summaries
CHIEF FINANCIAL OFFICER'S REPORT
SEGMENT SUMMARY
Australian Health Insurance
HCF Performance compared with the Industry
REVIEW OF OPERATIONS
CORPORATE SOCIAL RESPONSIBILITY
Commitment to Sustainability
Global Reporting Initiative Sustainability Indicators Index Table
Commitment to Staff
Environmental Commitment
Social Commitment
Commitment to Community
HCF Group Organisational Stucture
Senior Management Profiles
TRENDS AND STATISTICS
Intro
Hospital Care
Ancillary Benefit Trends
Understanding Statistics
Key Points
DIRECTORS' REPORT
Intro
Auditor's Independence Declaration
CORPORATE GOVERNANCE
FINANCIAL STATEMENTS
Income Statement
Balance Sheet
Statement of Recognised Income and Expense
Statement of cash flows
Notes to the Financial Statements
Directors' Declaration
Independent Audit Report
FURTHER INFORMATION
Trends and Statistics
Introduction
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Hospital Care
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Ancillary Benefit Trends
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Understanding Statistics
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Key Points
Ancillary Benefit Trends
1. Ancillary health care services
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2. Total ancillary benefits paid by service
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3. Total dental benefits paid
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4. Total optical benefits paid
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5. Total physiotherapy and chiropractic benefits paid
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6. Other services including natural therapies, podiartry, dietetics, funeral, HCF approved health improvement programs, artificial aids, speech therapy, occupational therapy, psychology and audiology
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