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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
  • Children and change Caring for a loved one can be a financial, physical and emotional strain. It’s important to know what help is available. https://www.hcf.com.au/health-agenda/work-life/family/children-and-change
  • How to care for your teen’s mental health Recognising emotional issues early is the best way to protect your teenager against depression and anxiety. https://www.hcf.com.au/health-agenda/work-life/family/how-to-care-for-your-teens-mental-health
  • Food for mental health: what’s good for your mind? From flat whites to energy drinks, Australian adolescents drink a surprising amount of caffeine. Here’s how it affects their health. https://www.hcf.com.au/health-agenda/food-diet/nutrition/food-for-mental-health-your-mind
  • Supporting a loved one through a tough diagnosis It’s always distressing when someone you care about gets sick. Here are some strategies for taking care of them, and yourself. https://www.hcf.com.au/health-agenda/body-mind/mental-health/supporting-a-loved-one-through-a-tough-diagnosis
  • How to support teenagers during the coronavirus crisis https://www.hcf.com.au/health-agenda/work-life/family/how-to-support-teenagers-during-the-coronavirus-crisis
  • The importance of friendships as you age Having friends is good for your health – that’s no surprise. But new research shows that as we get older, close ties with friends become more important than ever. https://www.hcf.com.au/health-agenda/body-mind/mental-health/the-importance-of-friendships-as-you-age
  • How to deal with workplace bullying Bullying at work can affect your mental health, performance and overall happiness. Find out what resources are available if it’s happening to you. https://www.hcf.com.au/health-agenda/work-life/work/workplace-bullying
  • Mental health: A helping hand How to help a family member or friend through a mental health episode. https://www.hcf.com.au/health-agenda/body-mind/mental-health/mental-health-a-helping-hand
  • Treating chronic pain Around 20% of Australians have chronic pain. We find out how to cope with it. https://www.hcf.com.au/health-agenda/health-care/common-conditions/dealing-with-chronic-pain
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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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