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About 101 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
  • 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
  • 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
  • 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 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
  • 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
  • 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 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
  • 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
  • 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 is LHC loading and why do some people have to pay it? If you take out hospital cover early enough, you can avoid paying Lifetime Health Cover (LHC) loading. Find out how it works – and the money you could be saving. 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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 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
  • 8 ways to get more value from your HCF health cover From 100% back on popular extras to joining our health and wellbeing programs, here’s how to get more value from your HCF health cover. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/benefits-of-hcf-cover
  • 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 helps you stay prepared. Learn what it covers, the different types, and how to apply for the peace of mind you're looking for in uncertain times. 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
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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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