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  • Alcohol consumption and the dangers of the reward system Alcohol consumption is part of Australian culture and for many of us, drinking is seen as a well-earned reward after a tough day. But how can you replace that daily reward with a healthier gratification? https://www.hcf.com.au/health-agenda/body-mind/mental-health/how-can-i-reward-myself-without-alcohol
  • Weekend reboot: staying healthy in your downtime Tips for less booze and more bounce on your weekends. https://www.hcf.com.au/health-agenda/work-life/play/weekend-reboot-staying-healthy-in-your-downtime
  • The facts about kidney disease One in 10 Australians show some sign of kidney disease. We talk to experts and patients to look at the causes and what can be done to manage and prevent it. https://www.hcf.com.au/health-agenda/health-care/common-conditions/kidney-disease-facts
  • Am I Drinking Too Much? When Does It Become A Problem? Whether you’re having a cocktail with friends or winding down with a cold beer at home, alcohol often feels like a normal part of life. But are some of us drinking too much? https://www.hcf.com.au/health-agenda/food-diet/nutrition/are-you-drinking-too-much
  • How to stop the habit of drinking alcohol Find yourself pouring a drink without giving it a moment’s thought? It might be time to change your relationship or knock that alcohol habit on the head. https://www.hcf.com.au/health-agenda/body-mind/mental-health/alcohol-drinking-habits
  • Alcohol and depression in men Having a few beers with mates is still something many Aussie blokes do to unwind. But the growing link between men, alcohol and mental health is revealing some shocking effects. Here’s how drinking is affecting men. https://www.hcf.com.au/health-agenda/body-mind/mental-health/men-alcohol-issues
  • How does alcohol affect menopause and perimenopause? Rethinking the way you drink alcohol during this time can bring relief from some of the symptoms and help you enjoy better physical and mental health. Here’s why. https://www.hcf.com.au/health-agenda/women/perimenopause-menopause/alcohol-and-menopause
  • Facts about alcohol consumption for women Some things women need to know about having a healthy relationship with alcohol. https://www.hcf.com.au/health-agenda/women/conditions/women-alcohol-issues
  • How To Co-Parent With An Alcoholic Partner We talk to addiction psychiatrist Dr Vicky Phan about how to co-parent with an alcoholic and build a healthy family environment. https://www.hcf.com.au/health-agenda/body-mind/mental-health/co-parenting-with-an-alcoholic
  • Drinking while pregnant: Everything you need to know We answer all your questions about drinking alcohol during pregnancy. https://www.hcf.com.au/health-agenda/body-mind/physical-health/alcohol-in-pregnancy
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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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