Get your first month free
Get your first month free when you buy HBF Ezicover Life Insurance.
Based in Western Australia, HBF has been providing everyday Aussies with private health insurance for more than 70 years and now offers a suite of insurance products including Ezicover life insurance, income protection and funeral cover. HBF maintains a focus on straightforward, highly accessible policies that deliver effective cover for a wide range of needs.
|What policies are offered?|
|Age of entry||19-69*|
|How do I apply?||Online or over the phone.|
*Based on HBF EziCover Life Insurance policy.
Pros and cons of HBF Ezicover Life Insurance policy.
You can also contact HBF yourself at 02 8895 0698.
Can I get cover directly from HBF without going through an adviser?
Yes. All of HBF's life insurance policies are part of the Ezicover range, which is designed to be easy to understand and simple to apply for.
You can get easy online quotes for the following products:
HBF offers three types of Ezicover:
This policy allows you to take out up to $1.5 million of cover, paid in the event of death or terminal illness. You’re covered anywhere in the world and you can access a range of long-term cover features.
This is a flexible income protection policy suitable for workers, homemakers, contractors and more. Available between the age of 19 and 60, this policy will pay monthly benefits of up to 75% of your pre-disability income, up to a maximum of $12,000 per month, as well as other benefits.
There are two cover types within this policy to suit a range of situations:
A straightforward funeral plan.
|Ezicover Life Insurance||Between 19 and 69|
|Ezicover Income Protection||Between 19 and 60|
|Ezicover Funeral Advantage||Between 35 and 70|
With all Ezicover policies your premiums are dependent on:
For income protection and life insurance, your premiums are based on your health and your pastimes. For income protection cover your premiums are also affected by how hazardous your occupation is and the other terms of your policy.
You will be responsible for any direct debit fees charged by your financial institution. Government taxes may also be included in the price of your premiums.
It’s also important to note that income protection benefits are generally tax assessable, which should be considered when taking out cover.
Starting life in 1941 with a focus on health insurance for Australians, HBF expanded to offer additional types of cover for its members, including life insurance plans. Today it's focused on retaining the feel, transparency and "members first" ethos of a members fund, while simultaneously finding new ways to offer more value to members and remain a competitive option in today's insurance marketplace, for the best of both worlds.
For all life insurance policies, benefits are not payable for suicide within the first 13 months (12 months for funeral cover) of policy commencement or reinstatement .
For income protection insurance you cannot claim benefits for:
For all types of cover you have a duty of disclosure and must inform the insurer of anything that may make insuring you riskier, such as any pre-existing health issues you may have.
It's different for everyone, but to give you some idea, a 37 year-old male, non-smoker in NSW would pay $38.66 for $500,000 worth of cover*
Here's what will factor into your cost with HBF
HBF will base your costs on a number of factors, including:
*Quote generated on 28 November 2018.
After you purchase your cover, HBF will give you a policy document that explains the entire claims process.
Learn the types of cover available and what's right for you
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