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  • Ask Dr Google: Where should you go for health advice? Prescribed medication is an exact science so it’s important not to mix it with anything that affects how it works. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/ask-dr-google-health-advice-websites
  • Day hospitals and elective surgery: What you need to know Day hospitals offer specialist services that may be the option for the surgery you’ve been waiting for. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/day-hospital-procedures
  • When to go to the emergency department The warning symptoms that warrant a visit to the emergency department, when you should you call 000 and other sources are available for urgent healthcare? https://www.hcf.com.au/health-agenda/health-care/research-and-insights/recognising-a-health-emergency
  • Research improving medication use in Australia Home Medicines Reviews help people better manage their medication. Research underway aims to improve Indigenous health through these medication programs. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/research-improving-medication-use
  • Fake health news stories How to spot fake health news stories on social media, and where to go to seek credible, evidence-based medical information. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/fake-health-news-stories
  • Be an active participant in your health care Why being your own health advocate can improve your wellbeing https://www.hcf.com.au/health-agenda/health-care/research-and-insights/health-advocate
  • Antibiotic resistance: health in crisis Australians are regularly overusing antibiotics, and it could make bacterial infections much more dangerous in the future. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/antibiotic-resistance
  • Indigenous health: outback hero helps patients with kidney disease We talk to experts about the variations in e-cigarettes and examine the research around vaping side effects. https://www.hcf.com.au/health-agenda/health-care/research-and-insights/indigenous-health-kidney-disease-treatment
  • Behind the scenes with a paramedic https://www.hcf.com.au/health-agenda/health-care/research-and-insights/behind-scenes-paramedic
  • How to avoid unexpected doctors’ costs Out-of-pocket expenses or a 'gap payment' can come as a shock after a hospital stay. Here’s how your hospital cover can help reduce the amount you’ll need to pay. https://www.hcf.com.au/health-agenda/health-care/treatments-and-procedures/doctors-costs
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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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