HCF Health Insurance Australia

Tax time is nearly here and to help you complete your tax return, we’re sending your Private Health Insurance Tax Statement to the ATO next week. Once your tax info is available, you’ll find it in the ATO’s myTax portal and with your registered tax agent if you have one. You can also find a copy in your inbox at hcf.com.au/member-login or the app from 5 July 2024.

The income tiers which determine the Australian Government Rebate and Medicare Levy Surcharge are changing on 1 July 2024. Find out what this means for you at hcf.com.au/rebate

Questions? Head to hcf.com.au/tax for more tax-time help.

Craving comfort food as the cool weather strikes? These 3 recipes combine essential vitamins and nutrients to pack a powerful flavour punch for your next meal.

Best foods to help you live longer: 3 winter recipes | HCF Experts agree that eating healthily can help increase our life span. Try these three recipes to harness the power of nutrition to promote longevity and vitality.

We’ve launched a flexible range of home and contents insurance* options that could fit your property and budget. As an HCF member, you can get up to $100 off your first year’s premium when you quote and buy online home and/or contents insurance with our promo code^, available until 8pm AEST 16 July 2024. It’s cover you can trust because we’ve partnered with Allianz – one of Australia’s most experienced home insurers.

Visit hcf.com.au/home for more info and a quote.

* The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Home and Contents Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS, the Home Buildings or Home Contents Key Fact Sheets and the Financial Services Guide, which can be accessed at hcf.com.au/home. The relevant Target Market Determination is available by calling 1300 657 046. If you purchase this insurance, we will receive a commission of up to 10% of the premium for each policy issued and renewed and we may also receive a share of up to 40% of the underwriting profit. Ask us for more details before we provide you with services.

^ To access the promotion code, log in to the My Membership app or online member services and go to the insurance section of the HCF Thank You page to find the code. This promotion will run from 20 May 2024 until 16 July 2024 8pm AEST (Promotion Period). The promotion applies when you quote and buy a new Home and/or Contents Insurance policy online during the Promotion Period. The promotion applies to the first year’s premium only and applies automatically upon successful input of the code. The promotion will be applied after all other eligible discounts, to the extent that any minimum premium is not reached . Discounts do not apply to taxes or government charges. HCF may withdraw or amend this offer at any time without notice. Replacements, variations or renewals of, or additions to, existing policies are not eligible for this offer. Please contact us for more information.

Home and contents insurance | HCF HCF Home & Contents Insurance. Choose from buildings (home), contents or combined buildings and contents covers, and take advantage of the options available.

Safeguard your car, ute or van with new HCF Car Insurance*. As an HCF member, you can get up to $100 off your first year’s premium when you quote and buy Comprehensive Motor Insurance online with our promo code^. It’s cover you can trust because we’ve partnered with Allianz – one of Australia’s most experienced car insurers.

Visit hcf.com.au/car for more information and a quote.

* The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as an agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Motor Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS and the Financial Services Guide, which can be accessed at hcf.com.au/car. The relevant Target Market Determination is available by calling 1300 657 046. If you purchase this insurance, we will receive a commission of up to 5% of the premium for each policy issued and renewed and may also receive a share of up to 40% of the underwriting profit. Ask us for more details before we provide you with services.

^ To access the promotion code, log in to the My Membership app or online member services and go to the insurance section of the HCF Thank You page to find the code. This promotion will run from 20 May 2024 until 16 July 2024 8pm AEST (Promotion Period). The promotion applies when you quote and buy a new Comprehensive Motor Insurance policy online during the Promotion Period. The promotion applies to the first year’s premium only and applies automatically upon successful input of the code. The promotion will be applied after all other eligible discounts, to the extent that any minimum premium is not reached. Discounts do not apply to taxes or government charges. HCF may withdraw or amend this offer at any time without notice. Replacements, variations or renewals of, or additions to, existing policies are not eligible for this offer. Please contact us for more information.

Car insurance | HCF HCF car insurance. Cover your vehicle with either third party property damage motor insurance or comprehensive motor insurance which is available with options.

We're helping eligible members save on the evidence-based CSIRO Total Wellbeing Diet. Created by Australia’s national science agency, the CSIRO Total Wellbeing Diet combines a higher protein, low-GI eating plan with proven weight loss tools to help improve habits and create lifelong positive behaviours. Join over 500,000 Aussies who've lost weight, kept it off and improved their health and wellbeing.

Learn more: hcf.com.au/csiro-total-wellbeing-diet

Did you know how much we eat changes as we age? Here’s how to manage your food portions, even when you want that extra slice of cake: hcf.com.au/health-agenda/food-diet/nutrition/How-much-should-I-be-eating

If you’ve been dreaming of carving up the slopes, you don’t have to travel to Europe to learn how to ski. Here's how to plan your first ski trip in Australia: hcf.com.au/health-agenda/work-life/play/skiing-for-beginners

Alcohol and mental health problems are closely linked – and each can make the other worse. Learn how to recognise the signs and where to go for support: hcf.com.au/health-agenda/body-mind/mental-health/can-alcohol-cause-anxiety

Are you up to date with your bowel cancer screenings? The National Bowel Cancer Screening Program offers free at-home tests from the age of 45 but experts say not enough Australians are doing them. Learn more: hcf.com.au/health-agenda/health-care/common-conditions/bowel-cancer-symptoms

With the rising cost of living, investing in your health is one of the best ways you can future-proof your wellbeing, get treatment faster and even save money. Here’s why having private health cover is a smart financial move: hcf.com.au/health-agenda/health-care/research-and-insights/reasons-to-get-private-health-insurance

7 reasons to get private health insurance | HCF With the rising cost of living, having private health insurance is one of the best ways to future-proof your health and get treated faster. It could even save you money.

Almost half of all men have body image issues, which can lead to eating disorders and exercise addiction. Here’s how to promote positive body image: hcf.com.au/health-agenda/body-mind/mental-health/male-body-image-issues

Why male body image issues are on the rise | HCF Male body image issues are no longer on the fringe. Many Aussie men are worried about how they look and it's impacting their happiness and mental health.

With the rising cost of living, find out how our health cover can provide value for your family and help you be your healthiest self and improve your wellbeing:

Supporting families by putting money where our members are | HCF With the rising cost in living, it’s important to know your health cover is providing value, supporting families and helping you to be your healthiest self.

Men need regular health check-ups to talk about preventive healthcare with their doctor and help detect early signs of common chronic diseases. This Men's Health Week, find out which checks are most important:

7 men's health checks not to be missed | HCF Protect your mental health and reduce the risk of conditions like heart disease and bowel cancer with these 7 essential men’s health checks.

It's time to snap up your EOFY discounts with HCF Thank You loyalty rewards*. Until 25 June, you can unlock a 7% discount (usually 5%) on e-Gift cards from Apple to help cover all your technology needs. Plus, you can enjoy even more discounts on e-Gift cards with JB Hi-Fi, The Good Guys, EB Games and more.

To browse the full range of EOFY offers, log in at hcf.com.au/members and select the 'EOFY sales’ button.

* Eligibility criteria applies. You can access HCF Thank You offers after you've been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change without advance notice. See the HCF Thank You terms available at hcf.com.au

Member login All you need is your HCF membership number to sign up. Only the main policy holder is able to register for online member services. Note: To register online, you must have provided a valid email address when joining HCF. If you have not done so, or are having issues registering, please call us on 13....

Don’t miss your chance to win $4.5K* for your next getaway. If you’re an HCF member and purchase HCF Travel Insurance^ by 30 June 2024 and quote your member number, you can go in the draw for the chance to win 1 of 6 $4.5K pre-paid Visa cards*. HCF members can also save 25% on travel insurance with our discount code #.

Find out more: hcf.com.au/travel

* For more information on the HCF Travel Insurance Campaign visit www.allianz-partners.com/en_AU/products/travel/hcf-campaign.html

^ The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer Allianz. Terms, conditions, limits and exclusions 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 www.allianz-partners.com/en_AU/policies-and-services.html. 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.

# 25% discount is the total discount on offer for the product, based on standard premium rates. It applies automatically upon successful input of the discount code to premiums for all plans, including policy add-ons. 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.

HCF Travel Insurance | HCF Planning a trip? HCF has got you covered. Choose from budget, comprehensive or annual plans that cover international and domestic travel.

Don’t let the cold weather put you off – outdoor exercise in winter is great for both your physical health and mental wellbeing. Here’s how to get motivated to exercise outdoors this winter: hcf.com.au/health-agenda/body-mind/physical-health/exercise-winter

Do you lie in bed, ruminating on the day’s worries and feel anxious because you’re unable to fall asleep? Anxiety and sleep problems are closely linked. Here’s how to break the cycle: hcf.com.au/health-agenda/body-mind/mental-health/anxiety-at-night

Heading to the slopes this winter? Get protection with Flip Insurance’s pay-as-you-go accidental injury insurance. Snow sports are one of the highest-risk activities and injuries can be expensive. For just $7 a day or $25 a week, Flip protects you on and off-piste, backcountry and heli-skiing. You can sign up on your phone in a few minutes.

Learn more: https://bit.ly/3WXP0az

Read the PDS and TMD for Flip insurance products at https://bit.ly/3W8yGk5 and consider whether they are appropriate for you. Issued by HCF Life.

We’re focused on easing the burden on members of increasing living expenses, which is why we created our reward and recognition program, HCF Thank You. Eligible members* can save an average of $900 a year through discounted e-Gift cards for everyday essentials like groceries, fuel and entertainment that can help ease affordability concerns and offset their premiums.

Find out more about our reward program: www.hcf.com.au/thankyou

* You can access HCF Thank You offers after you've been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change. See the HCF Thank You terms available at hcf.com.au

Exercise is a proven way to control and lower blood pressure and reduce the risk of heart disease. This Exercise Right Week, we share the best exercises to improve your heart health: hcf.com.au/health-agenda/body-mind/physical-health/how-to-lower-blood-pressure

Planning a well-deserved break? If you’re an HCF member and purchase HCF Travel Insurance* between 20 May to 30 June 2024 and quote your member number, you can go in the draw for the chance to win 1 of 6 $4.5K pre-paid Visa cards^. HCF members can also save 25% on travel insurance with our discount code #.

Find out more: hcf.com.au/travel

* The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer Allianz. Terms, conditions, limits and exclusions 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 www.allianz-partners.com/en_AU/policies-and-services.html. 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.

^ For more information on the HCF Travel Insurance Campaign visit www.allianz-partners.com/en_AU/products/travel/hcf-campaign.html

# 25% discount is the total discount on offer for the product, based on standard premium rates. It applies automatically upon successful input of the discount code to premiums for all plans, including policy add-ons. 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.

HCF Travel Insurance | HCF Planning a trip? HCF has got you covered. Choose from budget, comprehensive or annual plans that cover international and domestic travel.