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.
Ezicover Life Insurance
If you pass away or are diagnosed with a terminal illness1, you or your family could receive a lump sum payment between $50,000 and $1,500,000
Ezicover Income Protection
If you’re unable to work due to illness or injury, you could get up to 75% of your pre-disability income (up to $12,000 per month) for up to 5 years
The HBF Ezicover application process is quick, simple and fuss-free
Flexible & Affordable
Whether it’s life insurance or income protection, you can tailor HBF Ezicover to suit your lifestyle
Worldwide cover 24/7
You can be covered anywhere in the world, 24 hours a day, 7 days a week. Exclusions apply
First Month for $0
Your first month’s premium is waived, whichever HBF Ezicover Insurance product you choose
No medicals required
Generally, you won’t need a medical examination to take out cover
30-day cooling-off period
If you wish to cancel your policy, you have 30 days from the day your policy commences during which
you can get a full refund of any premiums paid
Life insurance is a broad term, which refers to a group of insurance products that protect your family’s quality of life by providing financial support if something were to happen to you, for example, you are disabled due to sickness or injury or pass away.
Life insurance products are not savings plans, they’re more like a safety net—they are there to help provide financial protection in defined circumstances when you and your family may need it.
There are several types of life insurance products that cover different situations. The HBF Ezicover range includes: term life insurance (otherwise known as death cover), income protection and funeral insurance.
There is also Trauma insurance (also known as critical illness cover or recovery insurance) and Total and Permanent Disability (TPD) insurance, but it’s important to note that HBF does not offer these types of life insurance.
The life insurance products offered by HBF include HBF Ezicover Life Insurance (term life/death cover) and HBF Ezicover Income Protection. These products are issued and underwritten by Zurich Australia Limited.
HBF Ezicover Life Insurance pays a lump sum if you are diagnosed with a terminal illness (certified as likely to pass away within 12 months) or pass away. This money can be used wherever it’s needed, e.g. to cover mortgage repayments, living expenses or funeral costs.
HBF Ezicover Income Protection insurance can provide regular monthly payments to help if you can’t work due to illness or injury. It can cover up to 75% of your pre-disability income up to a maximum of $12,000 per month. An injury-only cover option is available. This money goes to you, and can be used to help pay your mortgage, bills and any other expenses you’d usually use your income for.
Most life insurers have minimum and maximum age limits to be able to apply for life insurance. The age limit changes depending on the product and insurer. With HBF Ezicover, the age limits at entry are:
HBF Ezicover Life Insurance: 19 - 69
HBF Ezicover Income Protection: 19 - 60
There is no one size fits all when it comes to how much life insurance you might need, as everyone will have their own personal circumstances, needs and objectives. A couple of questions to consider (and further information) can be found on the Australian Securities and Investments Commission (ASIC) website on life insurance
If you feel you need life insurance and you know what you want, there are a number of sites that offer Life insurance directly online or over the phone if you need assistance, like HBF. If you feel you have more complex needs and you need some help, it may be worth speaking to a Financial Adviser.
Our products are designed to suit different needs and budgets, and offer a smart and simple addition to your financial plan. Plus, we waive your first month on acceptance.
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- HBF Combined Product Disclosure Statement and Financial Services Guide
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