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  • PROS AND CONS OF PUBLIC VS PRIVATE HOSPITALS FOR PREGNANCY Learn about the differences between public and private hospitals for pregnancy care, and how birth experiences can differ based on hospital, cover and personal preference. https://www.hcf.com.au/health-agenda/women/pregnancy-birth-perinatal/public-private
  • Empowering women through healthcare We spoke to Sarah White, CEO of Jean Hailes for Women’s Health, who shares her advice for moving towards an equitable healthcare system. https://www.hcf.com.au/health-agenda/women/strong/international-womens-day-2023
  • Digital healthcare: What the future holds for our health Recent innovation in healthcare has evolved the way we’re looking after ourselves. Here’s how AI and digital technology are shaping our health and wellbeing for years to come. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/AI-and-telehealth
  • What does my dental cover pay for? Need some help with understanding exactly how dental cover works? We explain what can and can’t be covered, and how you can get the best value from your cover. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/dental-insurance-cover
  • 5 ways to make the most of your hospital cover Getting the most out of your private hospital cover is more important than ever. We show you five ways to reduce your out-of-pocket costs. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/ways-to-lower-your-hospital-costs
  • EYE HEALTH IN SAFE HANDS HCF’s Kris Dang explains why we opened our first HCF Eyecare centre in 1992 and how high-quality eye care and the experience in our centres keep members coming back. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/HCF-eyecare-centres
  • FUNDING HEALTHCARE RESEARCH FOR ALL AUSTRALIANS The HCF Research Foundation was set up to fund research into health services to benefit HCF members and all Australians. Now in its 22nd year, its work shows why research is important in healthcare. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/why-research-is-important-in-healthcare
  • Helping health startups make a difference HCF Catalyst was Australia’s first corporate-backed health-tech accelerator to help health and wellness startups and scaleups. Here’s how it works. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/helping-health-startups-make-a-difference
  • PERSONALISED HEALTH SUPPORT FOR MEMBERS In 2009, HCF launched My Health Guardian, our award-winning chronic disease management program which helped more than 50,000 Australians. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/chronic-disease-management
  • Jean Hailes talks Women’s Health We spoke to Sarah White, CEO of Jean Hailes for Women’s Health, who shares her advice for how we can build an equitable healthcare system for women and all Australians. https://www.hcf.com.au/health-agenda/women/strong/jean-hailes-womens-health
  • What does a women’s health physio do? Have you put a health issue like incontinence or pelvic pain in the too-hard basket? A women’s health physio could set you on a path to better health. https://www.hcf.com.au/health-agenda/women/conditions/womens-health-physio
  • Rest easy with our No-Gap Joints program Have you been delaying joint replacement surgery because it’s too daunting or haven’t been able to afford it? Our No-Gap Joints program makes it easy for you to take back control of your health. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/no-gap-joint-replacement
  • What to wear to medical tests What you wear for medical tests can make your experience safer, more comfortable and a lot less awkward. Here’s what to expect and how to prepare. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/what-to-wear-to-medical-tests
  • Tools to help you prep for hospital Follow one patient’s journey to learn how the private hospital process works. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/HCF-tools-to-help-you-prepare-for-hospital
  • 11 types of dental health specialists Dentists aren’t the only oral health experts – there’s a whole host of professionals helping to look after your teeth. Here’s an explainer of who’s who in dental health. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/whos-who-in-dental-health
  • How to support a child with ADHD with the right treatment The diagnosis and management of a child with ADHD is just the beginning. As a parent, it’s important to seek support and look after yourself too. https://www.hcf.com.au/health-agenda/work-life/family/ADHD-support-child
  • 4 Australians empowering women to age well This International Women’s Day, four inspiring Australians share their insights on women’s health, growing older and the fight against ageism. https://www.hcf.com.au/health-agenda/women/strong/ageing-international-womens-day
  • When should you get life insurance? Major life changes like buying a house or retiring are important times to review your life insurance to make sure you and your family are protected if the unexpected happens. https://www.hcf.com.au/health-agenda/work-life/family/when-to-get-life-insurance
  • How to get the most out of your GP appointment Maximising your time with your doctor can bring real health benefits. Here’s why preparation is key to getting more out of your GP appointments. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/how-to-get-the-most-out-of-your-gp-visit
  • Top 7 reasons to have private health cover With the rising cost of living, investing in your health is one of the best ways you can future-proof your wellbeing, get treatment faster and even save money. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/reasons-to-get-private-health-insurance
  • What’s Lifetime Health Cover? Lifetime Health Cover affects Australians over the age of 31 without private health hospital cover. We show how it is calculated. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/lifetime-health-cover
  • How to keep your health cover if you're struggling financially Your health is our priority, so we’ve made important changes to make sure you’re covered for COVID-19 and to give you financial support if you need it during these difficult and challenging times. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/keep-health-insurance-cover-coronavirus
  • Inpatient vs outpatient – what's the difference? We explain the difference between inpatient and outpatient hospital services – what these terms mean when you go to hospital.  https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/inpatient-vs-outpatient-services
  • Do you need to update your private health cover? Get the most out of your cover by making sure your private health insurance is right for you and your life stage. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/when-to-update-your-health-insurance-policy
  • Health cover explained: What is a pre-existing condition? What is a pre-existing condition? And how can it affect your private health insurance? Let’s find out. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/pre-existing-conditions-health-insurance
  • 5 ways to save with your private health cover Private health cover should never be set and forget. Try these tips to help get more value and greater peace of mind for your health. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/reduce-cost-of-private-health-insurance
  • A NEW INNOVATION IN INSURANCE HCF has recently launched Australia’s first on-demand accidental injury cover, a new innovation in insurance designed for people who need quick and simple cover for a day, a week, or even longer. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/Aussie-first-on-demand-accidental-insurance
  • How HCF is making out-of-pocket costs more transparent HCF’s Chief Medical Officer Dr Andrew Cottrill explains how HCF was one of the first healthcare funds to make out-of-pocket costs more transparent for our members. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/making-healthcare-costs-more-transparent
  • Extras cover to safeguard your health A key highlight of HCF’s story of innovation is when we introduced extras cover in 1975, helping Australians access services for better health and wellbeing. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/cover-the-gap
  • What to ask about your prescription medication Got a script for a new medication? Ask your GP and pharmacist these key questions to stay informed and manage your health confidently. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/generic-versus-brand-name-medicine
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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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