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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
Financial Statements
Income Statement
Balance Sheet
Recognised Income and Expense
Cash Flows
Notes
Directors' Declaration
Independent Audit Report
Note 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Note 2. REVENUES AND EXPENSES
Note 3. HEALTH INSURANCE UNDERWRITING RESULT
Note 4. INCOME TAX
Note 5. RETAINED EARNINGS AND RESERVES
Note 6. TRADE RECEIVABLES AND OTHER ASSETS
Note 7. FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS
Note 8. INVENTORIES
Note 9. INVESTMENTS IN CONTROLLED ENTITIES
Note 10. INVESTMENTS IN ASSOCIATES
Note 11. PROPERTY, PLANT AND EQUIPMENT
Note 12. INVESTMENT PROPERTY
Note 13. INTANGIBLE ASSETS
Note 14. TRADE AND OTHER PAYABLES (CURRENT)
Note 15. INVESTMENTS RELATING TO LIFE INSURANCE BUSINESS
Note 16. UNEARNED PREMIUM LIABILITIES AND UNEXPIRED RISK LIABILITIES
Note 17. PROVISIONS
Note 18. FINANCIAL LIABILITIES
Note 19. CLAIMS LIABILITIES
Note 20. LIFE INSURANCE POLICYHOLDERS' LIABILITIES
Note 21. CASH AND CASH EQUIVALENTS
Note 22. CAPITAL EXPENDITURE COMMITMENTS
Note 23. LEASE EXPENDITURE COMMITMENTS
Note 24. EMPLOYEE ENTITLEMENTS AND SUPERANNUATION COMMITMENTS
Note 25. CONTINGENT ASSETS AND LIABILITIES
Note 26. REMUNERATION OF KEY MANAGEMENT PERSONNEL
Note 27. RELATED PARTY DISCLOSURES
Note 28. AUDITORS' REMUNERATION
Note 29. BUSINESS COMBINATION
Note 30. OTHER STATUTORY INFORMATION
Note 31. SUBSEQUENT EVENTS
Note 32. RISK MANAGEMENT
Note 33. SEGMENT INFORMATION
Note 34. FINANCIAL INSTRUMENTS
Note 35. SOLVENCY REQUIREMENTS OF HEALTH FUND
Note 36. INDIVIDUAL BENEFIT FUND INFORMATION
Note 37. INDIVIDUAL BENEFIT FUND INFORMATION
Note 38. INDIVIDUAL BENEFIT FUND INFORMATION
Note 39. INDIVIDUAL BENEFIT FUND INFORMATION
Note 40. INDIVIDUAL BENEFIT FUND INFORMATION
Note 41. SUMMARY OF SIGNIFICANT ACTUARIAL METHODS AND ASSUMPTIONS
RELATING TO MANCHESTER UNITY AUSTRALIA LIMITED BENEFIT FUNDS
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