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  • Signs of diabetes in children: what parents need to know Discover the signs of type 1 diabetes in children, understand the key risk factors and get expert-backed tips to help prevent type 2 diabetes. https://www.hcf.com.au/health-agenda/health-care/common-conditions/signs-of-diabetes-in-kids
  • What is body mass index (BMI) and does it really matter? Doctors are using body mass index less to assess obesity, as more accurate methods emerge. So, what’s replacing it – and why is BMI falling out of favour? https://www.hcf.com.au/health-agenda/body-mind/physical-health/is-BMI-still-relevant
  • How HCF members are using their extras cover Whether you have HCF extras cover or are looking into it, here are some of the ways our members are getting value from their extras cover. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/how-to-use-extras-cover
  • 10 common dental health myths busted Here's how to separate fact from fiction and make good choices about your dental health. https://www.hcf.com.au/health-agenda/health-care/common-conditions/dental-health-myths
  • Holidays with dogs: how you can keep them safe Holidays with your furry friend in tow can be fun. Here’s how to keep your dog happy, healthy and safe along the way. https://www.hcf.com.au/health-agenda/work-life/play/holidays-with-dogs
  • Key signs of heart attack you may not know Did you know the signs of heart attack are different for men and women? Here’s how to recognise them and get timely help. https://www.hcf.com.au/health-agenda/health-care/common-conditions/signs-of-heart-attack
  • How to boost your brain health and lower your risk of dementia Staying mentally strong as you age is essential to our quality of life. Here are some simple tips to boost your brain health and lower your risk of dementia. https://www.hcf.com.au/health-agenda/body-mind/mental-health/brain-health
  • Driving in your 60s and beyond: What you need to know Find out what you can do as you age to stay as safe as possible behind the wheel and the right health checks to support you https://www.hcf.com.au/health-agenda/work-life/family/keep-your-drivers-licence-as-you-age
  • Diabetes and hearing loss: What you need to know Did you know having diabetes can double your risk of hearing loss? The good news is you can protect your hearing with a few lifestyle changes. https://www.hcf.com.au/health-agenda/health-care/common-conditions/diabetes-and-hearing-loss
  • HCF extras cover: 10 common questions answered HCF extras cover can help you save on everyday health services and stay on top of your wellbeing. Here’s how to make the most of it. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/common-questions-about-HCF-extras-cover
  • Why heart health is the key to healthy ageing Adopting a heart-friendly lifestyle can help you live longer. Learn how diet, exercise, connection and regular heart checks can support healthy ageing. https://www.hcf.com.au/health-agenda/body-mind/physical-health/heart-health-tips-for-healthy-ageing
  • Tooth pain, aches and sensitivity: common causes and fixes Whether it’s a mild ache or a bit of sensitivity, understanding the cause of tooth pain is the first step to feeling better. https://www.hcf.com.au/health-agenda/body-mind/physical-health/tooth-pain-common-causes
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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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