When it comes to holidays, only good surprises should be on the itinerary. *Terms and conditions apply, see hcf.com.au/thankyou. Offer subject to change. HCF Travel Insurance is arranged and managed by AWP Australia Pty Ltd for the insurer Allianz Australia Insurance Limited. Consider the PDS and TMD available at hcf.com.au/insurance/travel before deciding if it is right for you. ^Terms, conditions, exclusions, limits and applicable sub limits apply. | HCF Health Insurance Australia

Introducing HCF Value Ads! Because we're always trying to find ways to give more value, we're now giving members the chance to take over our advertising! You could do a party-trick on prime time telly, say happy birthday to your pet on a billboard - even show off your bird call on the radio. You could do whatever …as long as it’s legal. If you're interested, simply join HCF and email us at ValueAds@hcf.com.au with your membership number and how you would like to use the ad. Terms and conditions

Get cover up to $1.5 million*, if you pass away or are diagnosed with terminal illness. ​ *This is the maximum benefit amount depending on your age and level of cover. Conditions apply. Product issued by HCF Life. Consider the relevant PDS and TMD at hcf.com.au/lifeinfo | HCF Health Insurance Australia