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  • How to sleep better as you get older Many people experience sleep problems with age. Here’s why quality sleep is so crucial for our health as we get older and how many hours you should aim for. https://www.hcf.com.au/health-agenda/body-mind/physical-health/ageing-how-to-sleep-better
  • Alcohol and sleep: what are the possible side effects? Do you often have a drink to help you nod off? Alcohol and sleep don't mix. Find out what the possible side effects are, how it can impact the quality of your sleep in the long term and other health risks you need to be aware of. https://www.hcf.com.au/health-agenda/body-mind/physical-health/alcohol-affecting-sleep
  • Self-care tips and sleep habits to avoid Christmas stress Self-care tips and healthy sleep habits can help you find balance, calm and enjoy one of the busiest times of the year. https://www.hcf.com.au/health-agenda/body-mind/physical-health/self-care-tips
  • Anxiety at night: How worry affects your sleep Anxiety and sleep problems are closely linked. Worry can cause poor sleep, while sleep troubles can lead to anxiety. Here’s how to break the cycle. https://www.hcf.com.au/health-agenda/body-mind/mental-health/anxiety-at-night
  • What is a sleep study and do they work? As we learn more about the importance of sleep, more and more Aussies are having sleep studies. But what are they and are they worth it? https://www.hcf.com.au/health-agenda/body-mind/physical-health/sleep-study
  • 5 science-based sleep tips to help beat insomnia Struggling to sleep? These science-backed tips can help you conquer insomnia and give you the best chance of a good night’s rest. https://www.hcf.com.au/health-agenda/body-mind/physical-health/sleep-tips-insomnia
  • How much sleep do kids need? Is your child getting enough good-quality sleep? We explore how much sleep babies and young children need and what you can do to support them. https://www.hcf.com.au/health-agenda/work-life/family/how-much-sleep-do-kids-need
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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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