Do I need to complete medical questionnaires to obtain life insurance from HCF?

Applying for HCF life insurance products is made simple and straightforward. You can buy your cover online and you are not required to complete a medical questionnaire.

Will HCF life insurance provide cover if I have a pre-existing medical condition?

Some HCF life insurance policies have pre-existing medical condition exclusions. This means, no benefit is payable in the event of a claim if it is caused by a condition that you have prior to the commencement of your policy with HCF.

Will my premiums go up in the future?

It depends on the type of cover that you have. Your premiums will increase over time as you get older on some HCF life insurance products or fixed on others.

What is HCF Cash Back Cover?

Cash Back Cover is a competitively priced insurance solution that is offered by HCF that provides a cash benefit payment if you suffer from an accident that requires surgery, or if you are suffering from a serious medical condition (that is covered in the policy). What does it cover? The HCF Cash Back insurance plan is designed to provide financial assistance to enable you to recover while restricting worries about medical expenses that may arise. The benefits that can be derived from the plan are as follows: Coverage for Serious Illness: You will also be eligible for a $5,000 benefit payment if you are diagnosed with the following medical conditions: A malignant cancer Stroke Heart disease Chronic kidney failure Major organ transplant Maximum coverage for Single or Family Cover: HCF Cash Back cover will remain payable to a maximum of $40,000 for family cover and $20,000 for single cover. This means, after a claim has been successfully made for one of the events in which you are covered for, the subsequent claims will be made until the maximum amount is reached while the cover remains valid. Affordable premiums for quality protection: HCF Cash Back Cover premiums are available at $26 for families and $13 for singles per month. The only time premiums will increase is when it applies to all policyholders, in which one month's notice will be provided.

Can I cancel my policy if I change my mind?

You have a 30-day cooling-off period from the commencement of your policy to determine whether or not the policy meets your needs. You can cancel your policy within this period and HCF will fully refund premiums paid as long as no claim has been made.