Q: International Travel | HCF

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Critical Illness Insurance

Step 5 of 7

International Travel

Do you intend to travel or reside outside of Australia and New Zealand in the next 12 months?

No plans to travel or reside outside of Australia and New Zealand

Plans to travel outside of Australia and New Zealand for 90 days or less in total

Plans to travel or reside outside of Australia and New Zealand for more than 90 days

Reside overseas

Are you travelling to locations which are currently classified as "Level 3 - Reconsider your need to travel" or "Level 4 - Do not travel" by Smartraveller Advice?

Smartraveller Advice is an Australian Government website that provides official travel advice, safety information and assistance resources to help Australians make informed decisions and stay safe while travelling overseas.

For details of current travel safety ratings, please visit
smartraveller.gov.au/destinations

Yes
No

We're unable to provide cover for you due to your circumstances. However, you may want to consider other products from our unique range of recovery and life insurance products.

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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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