Income Protect Insurance

Check that this policy is right for you

Please review and accept each of these conditions to be eligible for this policy.

  • Your Cover

    You're looking for insurance that covers up to 70% of your average pre-tax monthly income for an eligible occupation within Australia (up to $10,000 per month, for up to 12 months) if you're unable to work due to illness or injury for more than 30 days.

  • Your Employment

    You work at least 21 hours per week and have been employed by the same employer, or have been in the same occupation, for the last 12 months.

  • Existing Conditions

    You're aware this insurance doesn't cover illnesses or injuries that occur as a result of a pre-existing condition that existed within 5 years immediately prior to the cover commencement date.

  • The First 60 Days

    You're aware this insurance doesn't cover a sickness which first becomes evident within 60 days of cover commencement date, or a recurrence of the same or related sickness.

  • Offset Amounts

    You're aware that your monthly benefit will be reduced by any offset amounts, which are any amounts payable to you while you're totally disabled from sources not limited to your employer, a superannuation plan, another income replacement policy, workers' compensation and any pension or payment from a government authority.

  • Professional Sport

    You're aware this insurance doesn't cover illnesses or injuries that occur as a result of engaging in professional sport.

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Marketing Communications

If you're a new HCF member you agree to HCF calling or otherwise contacting you to offer or invite you to apply for or promote and market other products and services that HCF offers.

Terms and Conditions

By taking out Income Protect Insurance, you agree that:
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You've read the Income Protect Insurance Combined Product Disclosure Statement (PDS), Policy Document and Financial Services Guide (FSG).

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You've read what's covered in this policy and all key exclusions.

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You consent to HCF using email as the preferred method of communication for important updates, notifications, and other relevant information regarding our products and services, or we may contact you by other methods such as phone or post where necessary.

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You've read and understood the duty to take reasonable care not to make a misrepresentation and confim you've answered all questions honestly and correctly, to the best of your knowledge and understand the consequences of not meeting this duty.

Privacy

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You agree to your information being collected, stored and used by HCF and HCF Life in accordance with the HCF Privacy Policy. (see further details in the Privacy Collection Notice).

Privacy Collection Notice

HCF Life Insurance Company Pty Ltd (HCF Life) collects the information that you provide to process your application to purchase Income Protect Insurance. HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Ltd (HCF). If you do not provide this information, you will be unable to purchase Income Protect Insurance. HCF Life will disclose your information to HCF. Information about how HCF and HCF Life manage personal information is contained in the HCF Privacy Policy.