traveller's information

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					traveller’s information
HBF is with you
Therearealotofthingstoconsiderwhenpreparingto
takeatrip,eitherinAustraliaoroverseas.Belowarethe
answerstosomefrequentlyaskedquestionsthatmayhelp
youtomanageyourcover.

Going away for less than two months?
Ifyouplantobeoverseasforlessthantwomonths,it’s
importantthatyouretainyourHBFHealthmembership.

Thiswillensurethatyouwillmaintainallthebenefitsof
yourexistinglevelofcover.

However,wedonotpaybenefitsfortreatmentthatoccurs
outsideAustralia,includinggeneraltreatmentsuchas
dentalandglassesandanyhospitalormedicaltreatment,
soyoumightliketoconsidertakingouttravelinsurance.

Does Medicare provide cover overseas?
Medicarenolongerprovidespublichealthcoverinoverseas
countries.TheFederalGovernmenthasareciprocalhealth
careagreementwithseveralcountries,buteveninthese
countriesfreetreatmentisprovidedonlyinanemergency.
WesuggestyoucontactMedicarebeforeyoutravel.

Away for more than two months?
Suspend your Health membership
Ifyouwillbeoverseasformorethantwomonths,you
cansuspendyourHealthmembershipuntilyoureturn
toAustralia.Thisenablesyoutoretainanylengthof
membershipbenefityouhaveearnedpriortoyour
departure.

IfyoususpendyourHospitalmembership,youneedto
consideriftheFederalGovernment’s1%MedicareLevy
Surchargewillapplytoyouwhileyouareoverseas.

TheMedicareLevySurchargeappliesifyouearnovera
certainincomethreshold.Formoreinformationjustcontact
anHBFMemberServiceAdvisoron133423.
How to suspend your Health membership
TosuspendyourHealthmembershipwhileyouareawayfrom
AustraliaallyouneedtodoisvisitanHBFServiceCentreor
contactanHBFMemberServiceAdvisoron133423.

Theconditionsofsuspensionare:
(a)YoumustcontactHBFbeforeleavingAustralia.
(b)Thelengthofabsencemustbetwomonthsormore.
(c) Theperiodofsuspensionisnotincludedinthetotal
      lengthofHealthmembership.
(d)Anyoutstandingwaitingperiodsmustbeservedon
      returningtoAustralia.
(e)NoGovernmentincentivesorrebatescanbeclaimed
      whilethemembershipisundersuspension.
(f) TheMedicareLevySurchargemayapplyduringthe
      periodofsuspension.
(g)Nobenefitsarepayablefortreatmentorservices
      providedduringtheperiodofsuspension.
(h)Membershipmustbefinancialuptothedateof
      suspension.
(i) Nochangestoyourmembershiporyourlevelofcover
      canbeacceptedwhilstyourpolicyissuspended.

How to resume your Health membership
(a)YoumustcontactHBFwithin30daysofarrivingbackin
      Australiatoresidepermanently.
(b)ResumptionofHealthmembershipwillbeeffective
      fromthedateofreturn,providingHBFhassighted
      documentaryevidenceofthedateofarrival(ie:boarding
      passshowingarrivaldate).AnInternationalMovement
      Recordisavailableforthispurposefreeofcharge.You
      willneedtocontactthedepartmentofImmigrationat
      www.immi.gov.auandrequestform1359.
(c) Membershipcannotberesumedforpersonswhoreturn
      toAustraliaforlessthansixmonths,forholidaysor
      toreceivetreatmentwherepermanentresidencein
      Australiaisnotresumed.
(d)Anypremiumspaidinadvancebeforesuspensionof
      membershipwillbeappliedtotheHealthmembership
      attherateapplicableasatthedateofresumption.
Travel Insurance – Essential when you travel
Inmanycountriesaroundtheworld,medicalandhospital
treatmentisveryexpensive.That’swhyitisessentialthat
youtakeouttravelinsurancebeforeyouleave.

HBF Travel Insurance – 10% discount for members
HBFTravelInsurancegivesyoupeaceofmindthatyou’re
coveredoverseasnotjustforhealth,butforyourextended
personalneedssuchaslostluggageandpersonal
belongings,traveldelayandhirecarexcesses.

AsanHBFmember,youreceivea10%discountonHBF
TravelInsurance.Wecanadviseyouonthelevelofcoverto
suityourindividualneedsandthepremiumsarecalculated
onthenumberofdaysyouwillbeawayforalloverseastrips
oversevendays.

Youcanevenextendyourcoverwhileyouareaway
(conditionsapply).

WithHBFTravelInsuranceyoualsohaveaccessto
emergencymedicalassistanceandadvice,regardlessof
whereintheworldyoumaybe.

Whetheryouaretakingashortoranextendedoverseastrip,
organiseyourtravelinsurancebeforeyougo.

TotakeoutHBFTravelInsurance,simplycallanHBFMember
ServiceAdvisoron133423,visitanHBFServiceCentreor
applyonlineatwww.hbf.com.au.ConditionsApply#.

HBF Home or Car Insurance – Pay in advance to
maintain your cover
Ifyouplantobeawayforlessthan28days,simplyensure
thatyoupayyourHBFHomeorCarInsurancepremiumsin
advanceorarrangeforyourpremiumstobepaidbydirect
debit.Thiswillkeepyourcovercurrent.

However,ifyouwillbeawayformorethan28days,youwill
needtodiscussyourindividualcircumstanceswithanHBF
MemberServiceAdvisorbycalling133423.




HBF’sonlinequotesareavailabletotravellersagedbetween18-70.
#
        Need cover when you are interstate?
        JustbecauseyouareoutofWesternAustraliadoesnot
        meanyouhavetoforegoyourHBFHealthcover.AsanHBF
        member,youarecoveredanywhereinAustraliaprovidedyou
        keepyourpremiumsuptodate.Youcandothisbyarranging
        directdebitfromyourbank,buildingsociety,creditunionor
        creditcardaccount.Youcanalsopayonlineatwww.hbf.com.au,
        byphoneormail.

        Moving interstate permanently?
        IfyouhaveHBFHealthcoverandaremovinginterstate
        permanently,wearehappytocontinuetocoveryouandyour
        family.

        AlthoughHBFisaWesternAustralianbasedorganisation,
        benefitsforstandardtreatmentsaresuitableforother
        states.However,specialarrangementsaremadewithWest
        Australianprovidersonly.Asdifferentstateshavevarying
        medicalcosts,premiumsareareflectionofthestateyou
        residein.

        IfyouhaveHBFCarInsurance,pleasevisitanyHBF
        ServiceCentreorcontactuson133423beforeyouleave
        aslimitationsapply.

        IfyouhaveHBFHomeInsurance,pleasevisitanHBF
        ServiceCentreorcontactuson133423asyoumaybe
        eligibleforpro-ratarefundsontheremainderofyour
        homeandcontentspolicies.




HBF Health Limited ABN 11 126 884 786. The information in this brochure is correct on 26 May 2010. Minor
changesmayhaveoccurredsincethatdate.Ifmajorchangesoccur,thebrochurewillbereplaced.Detailsofany
minorchangescanbeobtainedfromHBFonrequest.

HBFHomeInsurance,HBFCarInsurance,HBFBoatInsuranceandHBFTravelInsuranceareissuedbyHBF
InsurancePtyLtdABN11009268277AFSL229190.TheProductDisclosureStatements(PDS)foreachof
theseproductsisavailablebycalling133423.Anyadvicecontainedinthisbrochureisgeneraladviceonly
anddoesnottakeaccountofyourpersonalobjectives,needsandfinancialcircumstancesandyoushould
considerwhethertheproductsareappropriateforyou.YoushouldconsiderthePDSrelatingtotheproduct
beforedecidingiftheproductisappropriateforyoutoacquireorcontinuetohold.Allamountspaidbyway
ofpremiumforHBFHomeInsurance,HBFCarInsurance,HBFBoatInsuranceandHBFTravelInsurance
arepaidtoHBFwithoutdeduction.HBFemployeesdonotreceivecommissionsorotheramountspayablein
connectionwiththepurchaseofanyoftheseHBFpoliciesbyanyperson.HBFemployeesarepaidasalary,
theamountofwhichdoesnotvarydependentuponsales.
    Telephone Enquiries 133 423      HBF Service Centre Hours
    MontoFri:8amto6pm          MontoFri:9amto5pm
    Saturday:9amto12pm          *Saturday:9amto12.30pm

    www.hbf.com.au

    Head Office
    125MurrayStreetPerth
    GPOBoxC101Perth6809

    Metropolitan Service Centres    Regional Service Centres
    Perth                           Albany
    96WilliamStreet               21AlbanyHighway
    Booragoon                       Telephone98457000
    GardenCityShoppingCentre*    Bunbury
    Cannington                      12ArthurStreet
    CarouselShoppingCentre*       Telephone97226300
    Fremantle                       Busselton
    82HighStreet                  2/90-92QueenStreet
                                    Telephone97811800
    Hillarys
    WhitfordCityShoppingCentre   Geraldton
                                    NorthgateShoppingCentre
    Innaloo
    InnalooShoppingCentre         Telephone99208200

    Joondalup
    115GrandBoulevard
    Karrinyup
    KarrinyupShoppingCentre*
    Mandurah
    32PinjarraRoad
    Midland
    18/53TheCrescent
    Morley
    GalleriaShoppingCentre*
    Rockingham
    RockinghamCity
    ShoppingCentre
    Subiaco
    513HayStreet
    Success
    CockburnGateway
    ShoppingCentre




                                                      HI-00826/05/10

				
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