Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 (IAL), trading as CGU Insurance. 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 IAL. Please read the Financial Services Guide (FSG) before applying for an HBF General Insurance product.