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  • Day hospitals and elective surgery: What you need to know Day hospitals offer specialist services that may be the option for the surgery you’ve been waiting for. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/day-hospital-procedures
  • Medical tourism: what are the risks? The risks of travelling overseas for surgery, particularly cosmetic surgery. Does insurance cover you? And will you really save money? https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/medical-tourism-what-are-the-risks
  • Knee surgery alternatives Knee replacement surgery may not be the best solution for painful osteoarthritis. https://www.hcf.com.au/health-agenda/health-care/common-conditions/knee-surgery-alternatives
  • Bringing style to hospital gowns Traditional hospital gowns have had a chic makeover thanks to this fashion start-up. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/stylish-hospital-gowns
  • How to avoid unexpected doctors’ costs Out-of-pocket expenses or a 'gap payment' can come as a shock after a hospital stay. Here’s how your hospital cover can help reduce the amount you’ll need to pay. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/doctors-costs
  • Back Pain: When is it time for surgery? A second opinion may help you feel more informed about your options, even if you’ve got a good relationship with your GP or specialist. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/back-pain-when-time-for-surgery
  • Treatment at home: what you need to know about your options We’re giving our eligible members options around the types of treatment available at home to help you stay in control of your health journey and get the help you need, when you need it. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/treatment-at-home
  • Why and how you should ask for a second opinion A second opinion may help you feel more informed about your options, even if you’ve got a good relationship with your GP or specialist. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/second-opinion
  • What should you pack for a hospital stay? Find out what you can pack in your hospital bag to make your stay as comfortable as possible, from clothes to snacks and creature comforts. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/packing-for-hospital
  • Choosing the right health specialist The truth about IVF, including fertility and success rates in Australia. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/choosing-the-right-specialist
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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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