Australia's lowest average premium increase
We’ve worked exceptionally hard to make our 2020 premium increase the lowest of all 35 health insurers in Australia. HBF’s CEO, John Van Der Wielen shares how we achieved this result.
Cover to suit your needs
Tell us a little about yourself and your health needs, and in two to three minutes we'll find our best cover to suit your needs.
You can tailor your cover to suit your lifestyle and budget. Get cover up to 75% of your pre-disability income1
Worldwide cover 24/7
You’ll be covered wherever you are in the world, 24 hours a day, 7 days a week. Exclusions apply2
Inflation protection is available to help protect against the effect of inflation on your covered amount
Premiums are generally tax deductible
No medicals required
Generally, you won’t need a medical to take out cover
1st month for $0
Your first month’s premium is waived
HBF Ezicover Income Protection can provide a monthly benefit up to 75% of your pre-disability income up to a maximum $12,000 per month, if you can’t work due to injury or sickness. An injury-only cover option is available. It helps you continue paying for things your income would normally go towards, like mortgage repayments or rent, bills and other living expenses. Be aware that waiting periods apply and the maximum time benefits are paid is up until the expiry of the benefit period (see ‘How do claims work?’ for more information on when a claim will end).
HBF Ezicover Income Protection can pay you a monthly benefit, for up to the benefit period, if due to sickness and/or injury you are disabled and unable to work for longer than the waiting period. You can choose to use the monthly payment however you wish, it is there for you and your family to cover everyday expenses, bills and commitments while you are recovering. There are two cover types to choose from:
There are certain events or conditions that are not be covered - these are called ‘exclusions’.
With HBF Ezicover Income Protection a benefit or claim will not be paid where your disablement occurs as a direct or indirect result of the following:
HBF Ezicover Income Protection pays a monthly benefit, for up to the benefit period, while you are disabled and unable to work in any occupation solely due to sickness or injury (or injury only) depending on your cover type. The disability must firstly last longer than the waiting period.
For all valid claims, the first payment will commence 15 days after the waiting period ends, and will be paid while you remain disabled until one of the following events occur:
Your benefit payment will be determined by the amount of your cover and capped by the income at the time of claim in accordance with the ‘pre-disability income’ criteria as set out in the HBF Ezicover Income Protection PDS & FSG.
The benefit period is the maximum amount of time you will receive a monthly benefit for related conditions. With HBF Ezicover Income Protection, you can choose between 1, 2 or 5 years.
In most cases, a shorter benefit period results in a smaller premium.
You will have to be disabled for at least the duration of the waiting period before you can be eligible to claim a benefit from your income protection policy - this is called a ‘waiting period’. With HBF Ezicover Income Protection, you have the option of 30, 60 or 90 days as your waiting period, and will receive your first benefit 15 days after the waiting period ends.
In most cases, a longer waiting period results in a smaller premium.
Your HBF Ezicover Income Protection insurance starts when your application is accepted and you are issued your Policy schedule, and will end on the first day of any of these events occurring:
Generally, the premiums you pay for your policy can be claimed as a tax deduction by employees and self-employed people.
Any income benefit you receive from your income protection insurance policy while on claim must be included on your tax return, and may be taxed as a form of income.
This is a guide only and is based on current taxation laws. For more information about your individual circumstances, it’s best to speak to your tax adviser.
With HBF Ezicover Income Protection, you can relax knowing your family could be financially protected if you can’t work due to illness or injury. Plus, get 5% off if you already have HBF Ezicover Life Insurance.
Please confirm to continue
- HBF Combined Product Disclosure Statement and Financial Services Guide
; and - General advice letter
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