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  • 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
  • 6 ways to reduce your hospital costs Getting the most out of your private hospital cover is more important than ever. So if you have a hospital stay coming up, here’s how to reduce your out-of-pocket costs. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/reduce-out-of-pocket-expenses
  • How HCF members are using their extras cover Whether you have HCF extras cover or are looking into it, here are some of the ways our members are getting value from their extras cover. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/how-to-use-extras-cover
  • Do I need ambulance cover in Australia? Knowing if you’re covered for the cost of an ambulance in an emergency can be confusing as each state and territory has different rules. Learn more about how ambulance costs work in Australia, and whether you might need ambulance cover. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/ambulance
  • 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
  • Reduce dental, physio and optical costs with extras cover Extras cover can help lower your out-of-pocket expenses when you get your teeth cleaned or your eyes checked. Here’s how to maximise the benefits. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/extras-cover-to-reduce-dental-optical-physio
  • Does HCF private health insurance cover you while travelling? From hospital visits, physio and remedial massage to ambulance trips – here's what your HCF private health insurance covers on holiday in Australia. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/phi-while-travelling
  • 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
  • What is hospital excess and how does it work? Choosing a higher excess lowers your hospital cover premium, but is it right for you and your family? Here's what to weigh up when deciding. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/what-is-hospital-excess
  • 11 ways HCF is looking out for you and your family From having tonsils taken out to getting braces, looking after your child’s health can be expensive, but with HCF family cover you could save time and money. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/HCF-family-cover-benefits
  • Should you switch to a couples health cover policy? A couples health insurance policy can save you money and simplify your life admin. Here’s how to decide if couples health cover is right for your relationship. https://www.hcf.com.au/health-agenda/health-care/private-health-insurance/couples-policy
  • 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
  • What is an end-of-life doula? A terminal diagnosis is scary and overwhelming. An end-of-life doula can provide practical and emotional support for you and your family. https://www.hcf.com.au/health-agenda/body-mind/mental-health/end-of-life-doula
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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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