Things worth knowing

Emergency Assistance is available 24 hours a day, 7 days a week.

If you need assistance while in Australia please call 02 8895 0699.

If you need assistance while overseas please call reverse charge, via the local operator, +61 2 8895 0699.

Last updated: December 22, 2011

Travel insurance is a complex product. As there are a number of cover limitations for people over 70 years of age, we believe we can better service your needs by discussing your specific requirements. Please call us or visit your nearest HBF branch. 

Last updated: October 17, 2011

You can apply to have your Pre-Existing Medical Condition covered by us.  In most cases we can assess your application for Pre-Existing Medical Condition over the phone or online without the need to fill out any forms or to see your doctor.

There are some pre-existing medical conditions that we will cover you for automatically, provided you have no other related pre-existing medical conditions.  You will need to refer to the Travel Insurance Product Disclosure Statement for information on the Pre-Existing Medical Conditions that we automatically cover.

Last updated: December 20, 2011

Travel Insurance covers you and your family during holidays for a variety of insured events.  You may need to cancel your journey, the personal belongings that you are carrying could be lost, stolen or damaged, and most importantly an overseas medical emergency could occur.  HBF have an international support network for you to call on in the event of an emergency to assist you 24 hours a day 7 days a week.

Last updated: December 22, 2011

Cover for your dependent children (up to the age of 21) is automatically included in either our Single or Doubles cover.  You need to advise us of how many children need cover so we may list them on your policy.

Last updated: December 20, 2011

When completing a quote for Travel Insurance you will be asked where you are travelling to. The travel plan applicable will then be automatically selected based on this information. You also have the option to purchase a higher travel plan than you destination region if you wish to be covered for higher limit of coverWhen completing a quote for Travel Insurance you will be asked where you are travelling to.  The travel plan applicable will then be automatically selected based on this information. You also have the option to purchase a higher travel plan than you destination region if you wish to be covered for higher limit of cover.

Last updated: December 22, 2011

Your luggage is covered under your policy but your claim may be refused if you do not take all reasonable precautions to protect your luggage.  This means ensuring that you do not leave it unsupervised and taking all necessary steps to avoid any loss or damage.  It is important to note that individual item and policy limits may apply so please refer to the HBF Travel PDS for full terms and conditions and item/policy limits.

Last updated: December 20, 2011

Yes, there is an excess of $100 for all claims. 

Last updated: December 20, 2011

HBF employ the services of First Assistance to provide 24/7 support to HBF policyholders prior and during your journey. First Assistance can help with your preparation for your journey with pre-travel assistance information such as essential contacts, visa information and vaccination recommendations.

When travelling they’re also there to assist with emergency medical assistance, lost luggage and document assistance, emergency travel and accommodation services, legal referrals and emergency message transmission to relatives.

Last updated: December 20, 2011

No. Our policies must be purchased before you depart on your journey from Australia and cover you from when you leave your normal place of residence in Australia until you return to that point of origin in Australia.

Last updated: December 22, 2011

Yes, HBF Travel Insurance includes an early return refund if you return home early. A refund of the unused premium may be available as long as there are no claims made on the policy and your early return is not linked to a claim.

Last updated: December 22, 2011

If you advise us within 21 days of receiving your policy that you are not satisfied with it, you have not made a claim and you have not started your journey, we will refund your premium in full.

If you cancel after the 21 day cooling off period you can cancel the policy at any time for a refund of the unused premium, less the applicable administration fee.  Please refer to the Product Disclosure Statement for details.

Last updated: December 22, 2011

We are happy to extend your international cover, however you must do this before your original policy ends.

To do so, call us to arrange for your policy to be extended. We will not provide cover on an extension for any pre-existing medical or dental condition.

Last updated: December 22, 2011

Insurance issued by CGU Insurance Limited (CGU) ABN 27 004 478 371 AFSL 238291. For full policy details please refer to the Product Disclosure Statement (PDS) which can be obtained by calling HBF on 133 423. This is general advice only and does not take into account your personal circumstances. You should consider the PDS and your personal circumstances in deciding whether to buy or hold these products.  HBF Health Limited ABN 11 126 884 786 AR No. 406073 (HBF Health), is an authorised representative of and also acts under a binder from CGU, the issuer of general insurance products distributed by HBF Health. HBF Health will receive a commission up to 25% of the premium you pay (excluding taxes and charges) plus GST.

Please read the Financial Services Guide (FSG) before applying for an HBF General Insurance product.

Last updated: February 1, 2012