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  • Compare & Switch 
      • Compare & Switch 

      • Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.

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      • Health

      • Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.

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  • Overseas Visitors
      • Overseas Visitors Health Insurance (OVHC)

      • Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).

      • Online GP Consultations
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  • Life
      • HCF Life and Recover Cover

      • Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.

      • Find out more
  • Travel
      • Travel

      • Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.

      • Find out more
  • Pet, Home & Car
      • Pet, Home & Car

      • From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.

      • Pet
      • Home & Contents
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  • Flip
      • Flip

      • Flip is the flexible, great value accident cover made for active lifestyles. Whether you’re chasing waves or at the gym, get cover when you need it.

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  • About HCF
      • About HCF

      • Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.

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HCF
  • Chat to us
    • Contact us
    • New policy 1800 062 063

      Mon - Fri: 8am - 8pm (AEST / AEDT)
      Sat: 9am - 5pm (AEST / AEDT)

  • Login
  • OOpen navigation
  • Compare & Switch 
    • Compare Health Insurance
    • Switch health insurance to HCF
    • Get a quote
  • Health
    • Why health insurance
    • Find health insurance cover
    • Corporate health search
    • Find a provider
    • Health programs
    • Get a quote Find out more
  • Overseas Visitors
    • Online GP Consultations
    • Get a quote Find out more
  • Life
    • Find out more
  • Travel
    • Find out more
  • Pet, Home & Car
    • Pet
    • Home & Contents
    • Landlord
    • Car
  • Flip
    • Flip insurance
    • Get cover now
  • About HCF
    • Our benefits
    • Our partners
    • Member care services
    • Research Foundation
    • Sustainability
    • Loyalty program
    • Get help
    • Get a quote
    • Health programs
    • Get help

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YOUR DUTY TO TAKE REASONABLE CARE

When applying for HCF Life Protect Insurance we’ll ask you some questions about your health, lifestyle and other factors. When answering these questions, please remember you have a duty to take reasonable care not to make a misrepresentation. A misrepresentation includes a statement that is false, partially false, or which doesn’t fairly reflect the truth. It’s not a misrepresentation if you don’t answer a question or if your answer is obviously incomplete or irrelevant to the question asked. So it’s important that you answer any questions in the application process honestly and correctly, and to the best of your knowledge. The duty applies until we issue your cover and extends to making changes to your policy and reinstatements.

This insurance cover is provided under a consumer insurance contract. Your answers to these questions affect the terms and conditions of your cover. If you don’t comply with this duty, we may change the terms of your policy or treat your policy as if it never existed. This may result in your benefit being reduced or denied. 

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