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About 101 results
  • Major medical expenses private health <br> insurance can help cover Discover how HCF private health insurance can help support you through treatment, recovery and the medical expenses that come with a serious diagnosis. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/how-private-cover-can-help-with-medical-expenses
  • What are private health insurance waiting periods? Confused about waiting periods with private health funds? Get the lowdown on how they work and why they exist. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/private-health-insurance-waiting-periods-questions
  • Get health and wellbeing support <br>through your health cover From help with weight management and mental health to learning how to get better sleep, here’s how your cover can support your health and wellbeing. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/health-and-wellbeing-support
  • How to keep private health cover with the rising cost of living From reviewing your policy to accessing free health checks, here’s how to keep your private health insurance affordable while managing the cost of living. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/private-health-cover-with-the-rising-cost-of-living
  • How to get more value from your health insurance extras cover Make the most of your health insurance extras cover this year. Plan ahead so you use your benefits, reduce out-of-pocket costs and stay on top of your health. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/health-insurance-extras-cover-value
  • 9 ways to get more value from HCF health cover From 100% back on selected extras to digital tools and tailored support programs, here’s how to get even more from your HCF health cover. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/get-value-from-HCF-health-cover
  • A guide to diabetes management with The COACH Program® Effective diabetes management starts with the right support. The COACH Program® offers personalised guidance so you can take control of your condition. https://www.hcf.com.au/health-agenda/body-mind/physical-health/diabetes-management-with-The-COACH-Program
  • How much does knee replacement surgery cost? Knee replacement surgery can be life-changing, but it’s important to understand the costs. Here’s what you need to know. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/knee-replacement-surgery
  • 9 simple ways to lower the cost of private health insurance Worried about the cost of private health insurance? Discover practical ways to save while still getting the benefits you need. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/reduce-cost-of-private-health-insurance
  • Dementia care: Supporting patients’ and carers’ mental health Learn how person-centred dementia care and the right support can protect the mental wellbeing of both patients and their carers. https://www.hcf.com.au/health-agenda/body-mind/mental-health/dementia-care-mental-wellbeing
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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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