Not-for-profit fund HCF has broken rank from the other big private health insurers and agreed to pay the state government its full bed rate when its members are given single rooms in public hospitals. Not-for-profit fund HCF has broken rank from the other big private health insurers and agreed to pay the state government its full bed rate when its members are given single rooms in public hospitals. Health Insurance, Health Policy, Health Administration, Insurance, State and Territory Government Latest business news