We know the life and healthcare landscape is changing rapidly and we’re committed to leading the way forward. Through the successful delivery of our transformation program, Project Phoenix, the largest transformation project ever undertaken by HCF, we’ve established the foundations for operational excellence across the business. These modern, agile systems have set us up to deliver an easier and more seamless creation of products and services, with the ability to provide a richer, more personalised level of care for our members. Shaping a healthier future for our members is central to our promise and we haven’t lost sight of the need to continue disrupting and investing in new ventures and innovations to make quality care accessible to more Australians. We had such great outcome with our previous transformation, we are starting out next 2025 journey.