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PERSONAL ACCIDENT INSURANCEDESIGNED TO PROTECT THOSE OVER 55

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WHY CHOOSE PERSONAL ACCIDENT INSURANCE?

Personal Accident Insurance pays a cash benefit of up to $10,000 if you suffer one of the injuries specified such as fractures, dislocations or burns, depending on the level of cover selected, or up to $50,000 if you die as a result of an accident.

Some of the features of this product include:• Guaranteed acceptance for anybody who is a permanent resident of

Australia and aged between 55 and 74• Premiums won’t increase with age• Cash is paid directly to you to be spent however you choose• Easy to apply - no medical questionnaires or examinations• Benefits are paid on top of any other insurance or accident scheme.

CHOOSE COVER OF $25,000 OR $50,000From only $3.19 per week with no age increases

SPECIFICALLY DESIGNED FOR THOSE 55 AND OVER

WHO CAN APPLY?You can apply if you are:• aged between

55 and 74 • a permanent resident of

Australia.

BEVERLEY’S STORY

“In 2009 my husband passed away; it was during this time I contacted HCF and spoke with a member care consultant about my existing health cover. I no longer needed the level of cover I was insured for and opted to reduce my cover and add Personal Accident Insurance which was especially designed for me.

I enjoy physical activities and living an active life, so every Wednesday my friend and I would cycle along the Tweed River. During one of our rides I fell from my bike onto the road and fractured my forearm. The injury required surgery and returning home I found myself unable to take part in my household tasks and regular appointments.

Knowing I had accident insurance to cover my injury gave me peace of mind, my claim was paid promptly and enabled me seek additional support during my recovery.”

126,000INJURY CASES AMONG OLDER AUSTRALIANS EACH YEAR

Source: Australian Institute of Health and Welfare

HIGH RISK OLDER AUSTRALIANS FALL WITHIN A HIGH RISK CATEGORY FOR BURNS

Source: Julian Burton Burns Trust

Source: Australian Institute of Health and Welfare

Is the average length of stay for older Australian’s in hospital

7.6 DAYS

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PREMIUMS AND EXCLUSIONSPREMIUMSYou can choose from two levels of cover and the premium depends on the level you choose. Your premium does not increase with age.

If you have a partner and you both apply, you will each be issued with your own policy.

MONTHLY PREMIUM BENEFIT AMOUNT

SINGLE COUPLE

$25,000 $13.80 $27.60

$50,000 $27.40 $54.80

Premiums may only increase if the increase applies to all Personal Accident Insurance policyholders and notice of any change will be advised to you at least one month in advance. Your premium must be paid when due to prevent your policy lapsing.

Your premium will also include any stamp duty charged by your state government as well as any taxes that may be levied by state and federal governments.

TAXATIONGenerally, premiums are not tax deductible and benefits are paid free of personal tax. This is a general statement based on present laws and their interpretation. Individual circumstances may vary and you should consult a professional tax adviser.

EXCLUSIONSThere is no requirement to prove fault before you can receive your benefit or to wait for the outcome of lengthy legal proceedings.There are however some exclusions and limits on the benefits.• The maximum benefit paid for all injuries caused

by the same accident is $5,000 on the $25,000 level of cover and $10,000 on the $50,000 level.

Benefits are not paid for injuries or death that result from;• intentional self injury• involvement in a criminal act or war, hostilities,

civil commotion, terrorism or insurrection• accidents which occur on or before the cover

commencement date• accidents which occur outside Australia.Your benefit amount and the benefits paid for each injury or for death are halved for accidents occurring after you reach age 80.

WHEN YOUR COVER CEASESCover ceases on your death; when you turn 85; if you don’t pay your premium; when the total of all benefits paid reaches your cover level amount; or if you supply a written request to cancel your policy.

COOLING OFF PERIODWhen you receive your policy document from us, you have 30 days to check whether the policy meets your needs. Within this time you may cancel your policy by contacting us and receive a full refund of any money paid provided you have not made a claim. INFORMATION ABOUT YOUR POLICYYou will receive a Policy Document once your application has been processed, with full details of your cover. The information contained in this document is important and should be read carefully. A copy of the policy document is available on request.

YOUR COVER IS PROVIDED BY HCF LIFEPersonal Accident Insurance is issued by HCF Life Insurance Company Pty Limited (HCF Life), a subsidiary of The Hospital Contributions Fund of Australia Limited (HCF) and will not have a surrender value at any time. HCF is a not-for-profit health fund that has been looking after Australians since 1932. HCF and HCF Life are each responsible for the entire contents of this Combined Product Disclosure Statement and Financial Services Guide.

Information in this Product Disclosure Statement that is not materially adverse is subject to change from time to time. Updated information is available at hcf.com.au/life-insurance or by contacting us on 13 13 34. Free paper copies are available on request.

PROTECTING YOUR RIGHTSIf you have a complaint about your policy, please contact our Policy Service Team on 13 13 34 and we will attempt to resolve it promptly. If after that you are dissatisfied with our response, you can contact the Financial Ombudsman Service Australia (FOS Australia). FOS Australia is an independent body available free of charge to consumers and can be contacted at:The Financial Ombudsman ServiceGPO Box 3, Melbourne VIC 3001Call 1800 367 287 (1800 FOS AUS)

16 September 2016The Hospitals Contribution Fund of Australia Limited.ABN 68 000 026 746 AFSL 241 414HCF Life Insurance Company Pty Limited.ABN 37 001 831 250 AFSL 236 806

BENEFITS Personal Accident Insurance is available to permanent residents of Australia aged 55-74. The total of all benefits paid under your policy for each person covered is the Benefit Amount you select when you apply for your policy. When that amount has been paid, your policy will cease.

INJURIES COVEREDBENEFIT AMOUNT

$25,000 $50,000

FRACTURES

Neck $5,000 $10,000

Hip or Pelvis $4,000 $8,000

Skull $2,500 $5,000

Thigh, Heel, Upper Arm $2,000 $4,000

Ankle, Lower Leg, Elbow, Shoulder Blade $1,750 $3,500

Lower Jaw, Collarbone $1,500 $3,000

Lower Arm,Wrist $1,250 $2,500

Vertebrae (each) $1,000 $2,000

Sternum, Kneecap, Cheekbone $750 $1,500

Hand (excluding Fingers, Thumbs and Wrists), Foot (excluding Toes and Heel), Coccyx $500 $1,000

Nose $200 $400

Ribs (each) $150 $300

Toes, Thumbs or Fingers (each) $50 $100

DISLOCATIONS (REQUIRING SURGERY UNDER ANAESTHESIA)

Hip, Knee,Wrist, Elbow, Ankle, Shoulder Blade, Collarbone or Jaw $1,000 $2,000

Thumb $100 $200

Toes or Fingers $50 $100

BURNS (2ND OR 3RD DEGREE)

27% or more of the body surface $3,000 $6,000

18% or more of the body surface $2,000 $4,000

9% or more of the body surface $1,500 $3,000

5% or more of the body surface $750 $1,500

ACCIDENTAL DEATH $25,000 $50,000

COMBINED PRODUCT DISCLOSURE AND FINANCIAL SERVICES GUIDE

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HCF is licensed to provide general advice about and arrange the issue of life and general insurance products. The life insurance products are issued by HCF Life Insurance Company Pty Limited (HCF Life).

This Financial Services Guide is about the services provided by HCF in relation to Personal Accident Insurance and is designed to assist you in deciding whether to use any of these services.

It contains information about remuneration paid to HCF and its staff for the services offered and how complaints against HCF in relation to these services are dealt with.

If HCF offers or arranges to issue you Personal Accident Insurance we will provide you with a Product Disclosure Statement relating to that product where required. This sets out the significant features of the product and will assist you to compare and make informed decisions about the product.

HCF Life is a wholly owned subsidiary of HCF and acts on its own behalf. When we issue you with a policy, we do so under a binder that authorises us to enter into that contract of insurance on behalf of the insurer.

The premiums for the life insurance products are paid to HCF Life. HCF receives commission from HCF Life for their sale of 40% of the first year’s premium plus an additional commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. HCF’s staff receive an incentive depending on the annual premium of these products which they sell. This will not exceed 20% of the first year’s premium. HCF is a not-for-profit health fund and all of the income it receives is applied for the benefit of its members.

HCF provides general advice about the suitability of these products for the needs of members. This means we do not take account of individual objectives, financial situation or needs. You should, before acting on that advice, consider the appropriateness of the advice, having regard to your objectives, financial situation or needs. Please read the Product Disclosure Statement before deciding to purchase any of these products.

HCF holds professional indemnity insurance that complies with the compensation requirements of Section 912B of the Corporations Act. This includes cover for claims in relation to the conduct of representatives and employees who no longer work for HCF but who did at the time of the relevant conduct.

Should you have a complaint about any of the services we offer in this Financial Services Guide please contact us on 13 13 34. If we have not resolved your complaint within 45 days or you are not satisfied with our response, you can contact The Financial Ombudsman Service Australia (FOS Australia).

FOS Australia is an independent body available free of charge to consumers and can be contacted at:The Financial Ombudsman ServiceGPO Box 3, Melbourne VIC 3001Call 1800 367 287 (1800 FOS AUS)

16 September 2016The Hospitals Contribution Fund of Australia Limited.ABN 68 000 026 746 AFSL 241 414HCF Life Insurance Company Pty Limited.ABN 37 001 831 250 AFSL 236 806

HCF Life is committed to best practice privacy protection.

We collect your personal information including sensitive information such as health information from you and/or the policy owner who is responsible for your policy and/or from other third parties detailed in the HCF Privacy Policy (which covers HCF Life), so we can:

• Comply with applicable laws• Manage our relationship with you• Provide life insurance related products and

services to you (including through third parties)

• Manage and pay claims and benefits• Assess your life insurance and related needs• Investigate fraudulent or improper claims

and assess risks• Research and develop products, services and

benefits that may better serve your needs• Assess your possible interest in and tell you

about such products and services• Administer our business and deal with

complaints.

The types of organisations and individuals we disclose personal information to include:

• Third party organisations who deliver services on our behalf or to us, some of whom may be located overseas

• Research companies contracted to us to ask your opinion on improving our service, benefits or product offerings

• Other insurers or reinsurers• Government including law enforcement

agencies• Related HCF companies

• The named policy owner who has your authority

• Any other authorised individual.

If you do not provide the personal information we request, we may not be able to provide you with our products or services.

You can ask us at any time to stop direct marketing to you by emailing service@hcf.com.au or calling 13 13 34.

For more information about the personal information we collect and how we handle it, how to access and correct your information or to make a complaint and how we will respond to complaints, please read the HCF Privacy Policy.

To view the HCF Privacy Policy:• Visit hcf.com.au• Visit your local branch.

All new policy owners should ensure that all members on the policy are made aware of the HCF Privacy Policy.

FINANCIAL SERVICES GUIDE

OUR PRIVACY STATEMENT

START ENJOYING THE BENEFITS ONLY PERSONAL ACCIDENT INSURANCE CAN OFFER JOIN TODAY

APPLYING FOR PERSONAL ACCIDENT INSURANCE IS EASYTo apply, all you need to do is: 1. Call, visit a branch or go online

to complete your application2. Leave the rest to us.

GO TO

hcf.com.au/life-insurance

The Hospitals Contribution Fund of Australia Limited.ABN 68 000 026 746 AFSL 241 414HCF Life Insurance Company Pty Limited.ABN 37 001 831 250 AFSL 236 806

HCF House 403 George Street, Sydney NSW 2000 Postal Address: GPO Box 4242, Sydney NSW 2001