* To be eligible for this offer, you must apply and be accepted by 30 June. Gift cards will be issued within 21 days after your second premium payment. Full terms and conditions can be found here.
HBF Health Limited (HBF) ABN 11 126 884 786 trading as HBF Life is a Corporate authorised representative of Zurich Australia Limited ABN 92 000 010 195. AFSL 232510 of 5 Blue Street North Sydney, NSW 2060. HBF is authorised to provide financial services, limited to marketing, promotion and referral activities in respect of the HBF Ezicover insurance products. HBF or its representatives do not accept any liability for any errors or omissions on information supplied on this website. HBF Ezicover life insurance products are issued by Zurich Australia Limited ABN 92 000 010 195 of 5 Blue St, North Sydney, NSW 2060 AFSL 232510. Before making a decision about the product you should consider the HBF combined Ezicover Income Protection Insurance Product Disclosure Statement and Financial Services Guide available from HBF or via www.hbf.com.au. This website contains general advice and information only. You need to consider the appropriateness of the information taking into account your personal objectives, financial situation and particular needs prior to making a decision. HBF or its representatives do not accept any liability for any errors or omissions on information supplied on this website. Zurich Australia Limited will only receive your personal details if you make an application for an HBF Ezicover life insurance product. If you buy a HBF Ezicover insurance policy, HBF will receive commission from Zurich of 20% (plus GST) of premiums paid. In addition HBF receives an annual fee not exceeding $50,000 for administrative support and services provided, this fee is reviewed periodically.
We will not pay a benefit of claim if your disablement occurs as a direct or indirect result of:
- an intentional self-inflicted act or attempted suicide
- uncomplicated pregnancy or childbirth
- unemployment for reasons other than sickness or injury
- an act of war, whether declared or not
- your committing, being involved in or attempting to commit a criminal offence or the use of illegal illicit substances
- you being incarcerated or lawfully detained
- elective surgery (including cosmetic surgery) unless you are disabled for more than 90 days
- Cancer, Stroke or Heart attack in the first 90 days of the start or reinstatement of the policy
- any sickness or injury which is the direct or indirect result of elective or donor transplant surgery within six months of the start or reinstatement of the policy
- events occurring during travel in countries outside Australia, if the Australian government has advised against travel to that country at the time of starting the trip. Visit www.dfat.gov.au/travel for more information
- any other condition/exclusion agreed with you at time of application, specifically noted on your Policy schedule.