Smart Term Insurance

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1 Smart Term Insurance

2 Combined Product Disclosure Statement and Financial Services Guide Product Disclosure Statement About Smart Term Insurance HCF Smart Term Insurance is a term life insurance product that pays cash upon death or terminal illness. Your benefit is doubled if death is caused by an accident Early payment of 100% of the insured benefit if you are diagnosed with a terminal illness Early payment of $10,000 to cover funeral expenses Nine benefit levels to choose from to suit your needs and budget Easy to apply: no lengthy questionnaires and no medicals to arrange. Who can apply? You can apply for HCF Smart Term if you are: between the ages of 18 and 54 a permanent resident of Australia. Cooling off period When 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 in writing and receive a full refund of any money paid provided you have not made a claim. Contents Product Disclosure Statement 3 About Smart Term Insurance 3 Benefits and when benefit will not be paid 4 Premiums 5 Information about your policy 6 Our Privacy Statement 7 Application form 9 Financial Services Guide

3 Product Disclosure Statement Benefits and when benefit will not be paid Benefits You can apply for up to $500,000 life cover, all of which will be paid in the event of death or terminal illness. The top level of cover increases to $1,000,000 if death results from an accident. A funeral advancement benefit of $10,000 will be paid for accidental death during the first three years of the cover commencement date or the date the cover was most recently reinstated and thereafter on your death from all causes. This payment will reduce the benefit amount. Definitions Accident means an event resulting directly in involuntary bodily injury to the insured person through external violent, visible and sudden means. Exclusions To keep premiums reasonable some exclusions do apply. The death or terminal illness benefits will not be paid if you die or are terminally ill, directly or indirectly as a result of: suicide, within 13 months after the start of your policy; or if the policy is reinstated, within 13 months of the policy being reinstated Acquired Immune Deficiency Syndrome (AIDS) or any AIDS related condition, or infection with the Human Immunodeficiency Virus (HIV) war, hostilities, civil commotion, terrorism or insurrection a pre-existing condition. None of the above exclusions apply to the $10,000 funeral advancement benefit after three years from the cover commencement date or the date the cover was reinstated. Premiums A range of factors including your age, gender, smoking status and the insured benefit you select determine your premium. To be eligible for non-smoker premium rates you need to have been a non-smoker for the prior 12 months and continue to abstain. Your premium will increase when you move into the next five year age band and your premium must be paid when due to prevent your policy from lapsing. The premium rates can only be increased if the increase applies to all policy holders and we will give you one month s notice of any increase. Your premium will also include any stamp duty charged by your state government as well as any taxes that may be levied by state or federal governments. Taxation Usually 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. When your cover ceases Your cover ceases on payment of the sum insured in full, when you turn 70 or if you do not pay your premium. Terminal illness means conclusive diagnosis of life expectancy of less than six months, confirmed by a registered medical practitioner appointed by HCF Life. Death as a result of an accident means: you die by violent, external and visible means solely and directly caused by an accident; and the accident occurs while your policy is in force; and you die within 90 days of the accident and before the expiry date of your policy. 4 5

4 Product Disclosure Statement Our privacy statement Information about your policy You will receive a policy document once your application has been accepted by HCF Life. 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 Life Smart Term Insurance is issued by HCF Life Insurance Company Pty Limited, a subsidiary of The Hospital Contributions Fund of Australia Limited and will not have a surrender value at any time. HCF is a not for profit organisation that has been looking after Australians since HCF and HCF Life are each responsible for the entire contents of this Combined Product Disclosure Statement and Financial Services Guide. Your duty of disclosure Before you enter into a life insurance contract, you have a duty under the Insurance Contracts Act to disclose to us every matter which you know, or could be reasonably expected to know, is relevant to our decision to accept the insurance risk and, if so, on what terms. You have the same duty to disclose these matters to us before you renew, extend, vary or reinstate this insurance. Your duty does not include anything that diminishes the risk to be undertaken by us; that is of common knowledge; that we know or, in the ordinary course of our business, we ought to know or for which we have waived your obligation to disclose. Non-disclosure If you fail to comply with your duty of disclosure and we would not have entered into the contract on any terms if the failure had not occurred, we may avoid the contract within three years of entering into it. If your non-disclosure is fraudulent, we may avoid the contract at any time. If we are entitled to avoid this contract we may, within three years of entering into it, elect not to avoid it but to reduce the sum that you have insured for in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all the relevant matters to us. Protecting your rights If you have a complaint about your policy, please contact our policy service team on and we will attempt to resolve it promptly. If you are dissatisfied with our response, you can contact the Financial Ombudsman Service. This is an independent body that is available to you free of charge. The Service s address is: The Financial Ombudsman Service, GPO Box 3, Melbourne VIC The phone number is December 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 ing or calling 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. 6 7

5 Notes HCF Membership No. Smart Term Insurance HCF Members Smart Term Insurance Non Members of HCF 1 Details of person covered (PLEASE USE CAPITAL LETTERS AND A BLACK PEN) Title First name Benefit Amount $100,000 $150,000 $200,000 $250,000 $300,000 Sex Middle initial Surname $350,000 $400,000 $450,000 $500,000 Male Female Have you smoked tobacco or any other substance in the last 12 months? Yes No 1 Details of person covered (PLEASE USE CAPITAL LETTERS AND A BLACK PEN) Title First name Middle initial Surname Date of birth (DD MM YYYY) Benefit Amount $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 Sex $500,000 Male Female Have you smoked tobacco or any other substance in the last 12 months? Yes No Home address: (please complete your street number, name and suburb) Suburb Postcode 2 Declaration (Please read and sign) I wish to add Smart Term Insurance to my HCF membership and understand that the premium will be added to my existing HCF contribution payments. I have the authority to act on behalf of other persons to be covered under the policy, to provide their personal information (including sensitive information) to HCF Life and HCF and to receive from HCF Life and HCF their personal information for the purposes of the policy. If my contributions are paid by payroll deduction HCF will notify my pay office. My decision to apply for this product is based on material received and read and my understanding of the information, including the Product Disclosure Statement. I declare that the answers given in this application are true and complete. I declare that I have read and understood the duty of disclosure and agree that this application together with any supplementary statement shall be the basis of the insurance. I declare that I and any other persons covered by this policy whose personal (including sensitive) information is being disclosed to HCF Life are aware of the HCF Privacy Policy (available on the HCF website at hcf.com.au, in HCF branches or by calling ), in accordance with which our personal information is dealt by HCF and HCF Life, including requests for access to and correction of and complaints about our personal information and consent to this information being made available to HCF. Phone - home Phone - work Mobile 2 Payment method (Please mark X ) Ezipay Direct Debit (complete Ezipay Direct Debit Request) Credit Card Authority (complete Credit Card Authority) Signature x Date (DD MM YYYY) Credit Card Authority Cardholder name (exactly as it appears on your card) Office Use Only Source Staff User ID Date (DD MM YYYY) Product code: TDX Please complete the application, detach and return to any HCF Branch or post to: (no stamp required if posted in Australia) HCF Life, Reply Paid 4445, Sydney NSW 2001 Type of card (Please mark X ) Visa Mastercard American Express Credit card No. Debit frequency (Please mark X ) Monthly Quarterly Half yearly Yearly Expiry date (MM YY) 8 HCF Life Insurance Company Pty Limited. ABN AFSL Head Office: 403 George Street, Sydney, NSW 2000 Telephone: Fax: Postal Address: GPO Box 4445, Sydney NSW 2001 HCF LIFE SMART TERM INS - MEMBER 1114 HCF Life Insurance Company Pty Limited. ABN AFSL Head Office: 403 George Street, Sydney, NSW 2000 Telephone: Fax: Postal Address: GPO Box 4445, Sydney NSW 2001

6 Smart Term Insurance Non Members of HCF cont Smart Term Insurance Non Members of HCF cont Please debit my account on the day* of the month (Please note: debit dates of 28, 29, 30 and 31 are not available) * Please nominate day. I acknowledge that the credit card I am using to pay for this insurance has been issued and used prior to paying for this insurance. Ezipay Direct Debit Request I/We authorise The Hospitals Contribution Fund of Australia Limited User ID Number to arrange for funds to be debited from my/our account and as prescribed below through the Bulk Electronic Clearing System (BECS). (Please mark X ) Weekly Fortnightly Monthly Quarterly Half yearly Yearly Please debit my account on the day* of the month (Please note: debit dates of 28, 29, 30 and 31 are only available for weekly and fortnightly debits) *Please nominate your first debit day. This authorisation is to remain in force in accordance with the terms described in the HCF Direct Debit Customer Service Agreement. Details of account to be debited (all details must be supplied) Name of financial institution BSB No. 4 Declaration (Please read and sign) I acknowledge and agree that: I have the authority to act on behalf of any person to be covered under the policy, to provide their personal information (including sensitive information) to HCF Life and to receive from HCF Life their personal information for the purposes of the policy; I am the policy owner who is responsible for payment of the contribution rates, the ongoing maintenance of the policy, and the receipt of all policy correspondence; and HCF Life deals with personal information (including sensitive information) of all members in accordance with the HCF Privacy Policy (available on the HCF website and from HCF branches) and I have informed them of this. I confirm that: I have read and understand this declaration, my duty of disclosure and the information relating to my product choice (including the Product Disclosure Statement and Financial Services Guide) and my privacy (including the HCF Privacy Policy); my decision to apply for this product is based on the material received and read and my understanding of the information, including the Product Disclosure Statement; and I authorise payment by the method indicated on the form and have the authority to do so. I agree that my insurance will commence once my application is accepted. I declare the information provided by me to be true and complete. Branch Account No. Signature x Date (DD MM YYYY) Account holder name (first initial and surname) Office Use Only Source Staff User ID HCF Life Insurance Company Pty Limited. ABN AFSL Head Office: 403 George Street, Sydney, NSW 2000 Telephone: Fax: Postal Address: GPO Box 4445, Sydney NSW 2001 Date (DD MM YYYY) Product code: TDX Please complete the application, detach and return to any HCF Branch or post to: (no stamp required if posted in Australia) HCF Life, Reply Paid 4445, Sydney NSW 2001 HCF LIFE SMART TERM INS - NON MEMBER 1114

7 Financial Services Guide This Financial Services Guide is about the services provided by HCF in relation to Smart Term 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 Smart Term Insurance we will provide you with a Product Disclosure Statement 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 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). 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 organisation 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 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 on or by post at GPO Box 3, Melbourne VIC This is an independent body available to you free of charge. HCF s contact details are shown on the back cover of this brochure. 01 December

8 Call am to 8pm Monday to Friday 9am to 5pm on weekends hcf.com.au The Hospitals Contribution Fund of Australia Limited ABN AFSL HCF Life Insurance Company Pty Limited ABN AFSL HCF House, 403 George Street, Sydney 2000 GPO Box 4445, Sydney NSW 2001 VAL0086

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