CHF is pleased to make a submission to the consultation on early release of superannuation benefits under compassionate and financial hardship grounds and for victims of crime compensation. CHF’s interest in this issue is related to ensuring Australians have affordable access to the health services and that access to such services is based on need to capacity to pay.  For this reason, we focus on comments on the principles and the questions relating to and the arrangements that should govern benefits released on compassionate or hardship grounds for medical treatment.