HCF Travel Insurance

Important information

The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies. If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

^* Terms, conditions, exclusions, limits and applicable sub limits apply. Please refer to the Product Disclosure Statement for full details.

^{^} You do not have cover under this benefit while travelling in Australia. Terms, conditions, exclusions, limits and applicable sub limits apply. Please refer to the Product Disclosure Statement for full details.

⁺ Please note the general exclusion concerning travel alerts and other warnings. That means, you will not be covered if you contracted the epidemic or pandemic sickness when you had travelled against a warning or advice by the Australian Government and did not take appropriate action to avoid contracting the sickness (for example by delaying travel to the country or part of the country referred to in the warning).

^~ HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can receive a 25% discount on HCF Travel Insurance. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (see HCF Thank You terms and conditions for the full list) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information.

^# You will not have cover under Benefits 1.5 Permanent Disability and 6.1 Personal Liability for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities. Please refer to the Product Disclosure Statement for full details.

^** Even if you purchase the Adventure Pack, you will only be covered while riding on a motorcycle, moped, motorised scooter or quad bike if:

• you hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you are driving, or a licence valid for the country you are riding in, if your Australian licence is not recognised in that country
• when you are riding as a pillion passenger on a motorcycle, moped or motorised scooter, the driver holds a licence valid for that vehicle and for the country it is being ridden in. However, this restriction will not apply if it is reasonable that you did not know that the driver was not licensed and no exclusion applies to the circumstances of your claim
• you are the driver of a quad bike and you are not carrying a pillion passenger – there is also no cover if you ride as a pillion passenger on a quad bike 
• you wear an appropriate safety helmet at all times
• you are not participating in any race or riding a motorcycle, moped, motorised scooter or quad bike in a professional capacity.

^{^^} You only have cover for these benefits if the relevant pack has been purchased.

⁺⁺ Sub-limits apply - refer to the Optional Covers - Cruise Pack and Snow Pack Policy Benefits section of the Product Disclosure Statement for details.

^~~ Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

^## A default limit for Benefit 2.1 Cancellation is automatically included in your cover unless you make a selection. However, you are able to choose different levels of cover from the amounts available to you when you purchase your policy. Any benefit limit selected by you will be shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay for all claims under Benefit 2.1 Cancellation. See the Product Disclosure Statement for details. 

^*** HCF members aged 18 years or over who have held eligible cover for at least 1 week and are up to date with their premiums may be eligible to the Promotion when they quote and buy a new HCF Travel Insurance policy online during the promotion period (1 May 2026 12.01am AEST until 30 June 2026 11.59pm AEST). For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (full list available here) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. Visa e-Gift cards will be distributed by 17 August 2026 unless your Travel Insurance policy is cancelled prior. Visit https://www.allianz-partners.com/en_AU/products/travel/hcf-campaign.html for terms and conditions. HCF reserves the right to amend or withdraw this offer at any time without notice (though will apply it to purchases made before it is amended or withdrawn).