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About 82 results
  • 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
  • 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
  • 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
  • Can you claim prescriptions and PBS medications? Here’s what you need to know about claiming for prescription medicines and PBS medications through your private health cover. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/drugs-and-health-cover
  • How private health cover can help young people Is private health insurance worth it? Even if you’re young and healthy, our programs and services help young people take charge of their health. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/benefits-of-private-health-insurance-young-people
  • Informed clinical consent: what you need to know What does clinical consent mean for your health care? Plus how you ensure you’re fully informed about your procedure and any extra costs. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/informed-clinical-consent
  • 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 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
  • 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 Life Insurance helps cover your recovery Prepare for unexpected illness or injury with our Recover Cover insurance. Let us focus on providing financial security, while you focus on getting better. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/recover-cover
  • 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
  • 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
  • Community rating and private health insurance: a fair deal for all Thanks to community rating, you won’t pay more for your health insurance because you’re getting older, or have health issues. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/community-rating
  • Health insurance and out-of-pocket expenses: questions to ask Questions to ask your doctor about private health insurance to avoid hefty out-of-pocket expenses. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/health-insurance-out-of-pocket-gap-costs-questions
  • A guide to health cover for over 50s Growing older can bring unique health priorities and challenges like chronic diseases, weight management and joint issues. Here’s how to maximise your health cover to get the best value in your 50s and beyond. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/health-cover-over-50s
  • Common private health cover terms explained Health cover can be confusing and full of jargon. We’re keeping things simple with this no-nonsense guide to help you decode some of the most common terms. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/health-insurance-terms-explained
  • My Health Record: what you need to know My Health Record: what do you need to know? These four facts can help you make an informed decision about opting in and your privacy settings. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/my-health-record
  • 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
  • 7 things you didn’t know about HCF health cover Did you know your health is our priority? That's why we offer a range of unique benefits for eligible members with hospital cover. From mental health support and treatment at home to a choice of excess, we've got you covered. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/HCF-private-health-cover-benefits
  • Should you be a private patient in a public hospital? Should you use your private health cover if you find yourself in a public hospital? Here are some important points to consider before deciding. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/private-patient-in-public-hospital
  • Understanding and managing dental anxiety Good dental health impacts our general wellbeing, which is why overcoming dental anxiety is so important. Here are some expert tips to give you something to smile about. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/do-you-avoid-visiting-the-dentist
  • Supporting families by putting money where our members are With the rising cost in living, it’s important to know your health cover provides value, is supporting your family and helping you to be your healthiest self. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/hcf-money-where-our-members-are
  • HCF Research Foundation funding for healthy ageing The HCF Research Foundation’s Translational Research Grants will turn six innovative research projects into practical solutions for ageing Australians to live stronger, healthier and more enriching lives. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/hcf-research-healthy-ageing
  • Life insurance explained: what you need to know Life insurance provides help after an accident or during serious illness. Here’s how it works. https://www.hcf.com.au/health-agenda/work-life/family/life-insurance-explained
  • Unplanned pregnancy: understanding your options Understanding your options if you’re experiencing an unplanned pregnancy. https://www.hcf.com.au/health-agenda/women/pregnancy-birth-perinatal/unplanned
  • NO-GAP JOINTS PROGRAM: HOW IT HELPED JANET WITH HER KNEE REPLACEMENT SURGERY After a fall left Janet in acute pain and needing knee replacement surgery, she discovered the benefits of our No-Gap Joints program. https://www.hcf.com.au/health-agenda/body-mind/physical-health/janets-knee-replacement-surgery
  • What are private health insurance waiting periods? Confused about waiting periods? Here’s what you need to know about hospital cover, extras cover and how long you may have to wait before claiming. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/private-health-insurance-waiting-periods-questions
  • How to make the most of your HCF extras cover Did you claim all you could on your health insurance last year? Protect your health and your wallet by making the most of your HCF extras cover over the next 12 months. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/plan-your-extras-cover
  • 7 things you can claim on your extras cover that may surprise you Are you keen to use your extras cover for more than just dental and optical? From swimming lessons to teeth whitening, these are some of the more unique services that may be included in your extras cover. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/extras-cover
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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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