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  • 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
  • Prevention is best: how to get more back with HCF extras Your private health cover isn’t just for when you’re sick – it can also keep you healthier for longer. Here’s how to get more value out of your HCF extras. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/hcf-extras-value
  • 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
  • Why cardiac rehab is key to recovery from a heart event Innovative cardiac rehabilitation programs are helping to bring healthy heart (and mind) benefits to more people who need it. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/cardiac-rehabilitation-heart-attack-recovery
  • How technology is shaping the future of healthcare New care models are reinventing the way we deliver healthcare services – from virtual consultations to treatment in the home – and this is just the start. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/future-of-healthcare
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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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