Policy Certificate

Member number: 49147298

12 March 2024
570 Wellington St, Perth WA 6000

               GPO Box C101, Perth WA 6839

39 T 133 423 W hbf.com.au

Ms C Leung
9 Nandina St
MACGREGOR QLD 4109

Dear Chin Ping Joyce

This certificate contains important information about your cover. Please take a few moments to check that the details we have on
record for you as at 27/03/2024 are correct.

About your cover

People covered Chin Ping Joyce Leung - 01/05/1977
Membership type Single
Level of cover Basic Extras
Cover start date 27/03/2024

Extras cover summary

For more information on this cover, please review the Private Health Information Statement that can be found at
privatehealth.gov.au, otherwise contact us.

Payment details
You have chosen to pay your premium via direct debit from the following Commonwealth Bank
account:
Payment method Account name: Joyce Cp Leung
BSB number: 064162
Account number: xxxxxx913
Your fortnightly deduction $11.20 every 2nd Tuesday
Your next deduction will be $10.60 on 26/03/2024 which will bring you in line with your regular
payment cycle.
Your next deduction
Should you need to use your cover before your adjusted payment date, chat to us online at
hbf.com.au or call us on 133 423.
You have selected to be reimbursed by direct credit to the following Commonwealth Bank
account:
Your HBF benefit Account name: Joyce Cp Leung
BSB number: 064162
Account number: xxxxxx913
It is important to note that health insurance premiums change every year on 1 April. This may impact the premium quoted above.

Rebate details
You’re not currently registered for the Australian Government Rebate on private health
Your rebate insurance, so your premium might be higher than it needs to be. Register your details in myHBF,
and if you’re eligible, a rebate will be directly applied to your health cover payments.

˜AoIrq$g=nŠ9_B€C
Page 1 of 2
˜‰<SdJ‰Uut—5>‡Bn
HBF Health Limited ABN 11 126 884 786
‘!!‘q!q!AAq‘qAA
If you’re happy that everything is correct, there’s nothing else you need to do. However, if any of the details are incorrect, please
call us on 133 423 or log in to hbf.com.au/myHBF to update.
Lastly, we wanted to remind you to give us a call before undergoing any significant treatment or being admitted to hospital. To
ensure there are no surprises along the way, we’ll check if there’s any waiting periods, restrictions or out-of-pocket costs that apply
to you.

Best regards
Your HBF team

Direct debit service agreement

1. HBF Health Limited User ID No. 702 (Debit User) will initiate direct debit payments in the manner referred to in the member agreement and shown on the
Policy Certificate.
2. Debit payments will be made when due. HBF will not issue individual confirmation of payments made.
3. The first deduction may be for more or less than the regular payment amount to ensure membership is financial. The date and amount of the initial deduction
will be agreed on by HBF and the member at the time the direct debit arrangements are set up. HBF will send written confirmation of the first deduction
amount within 14 days of direct debit payments being set up.
4. If the member is uncertain as to when the debit will be processed to the member’s account, he/she/they should contact HBF or their financial institution.
5. HBF will give the member at least 14 days written notice if HBF proposes to vary details of this arrangement, including the amount and frequency of payments.
6. If the member wishes to defer any payment or alter any of their account details, the member must contact HBF at least 48 hours prior to the payment being
debited on 133 423 or write to HBF at GPO Box S1440, Perth WA 6845.
7. Any queries concerning disputed debit payments must be directed to HBF in the first instance. Members may obtain details of the direct debit process by
contacting HBF on 133 423 or in writing to GPO Box S1440, Perth WA 6845. Claims in respect of any dispute may also be directed to the member’s own
financial institution.
8. Direct debiting is not available on the full range of accounts at all financial institutions. If the member has any doubts about signing up to this agreement,
he/she/they should contact their financial institution.
9. The member should ensure that the account details provided are correct by checking them against a recent statement from the financial institution at which
the account is held.
10. By requesting direct debit payments, the member warrants and represents that he/she/they is/are authorised to request the debiting of payments from the
specified account.
11. It is the responsibility of the member to have sufficient cleared funds available in the account to be debited to enable debit payments to be made in
accordance with their direct debit request.
12. If a debit payment is due on any non-business day, the payment will be made on the next business day. Your financial institution may withdraw the amount
earlier.
13. If a debit payment is returned unpaid, HBF will automatically attempt to debit the member’s account again. The member may be charged a fee for each
unpaid item by their financial institution. Any fees or charges incurred as a result of insufficient funds will be the responsibility of the member.
14. Members wishing to cancel their Direct Debit Authority or to stop individual debit payments must contact HBF by calling us on 133 423 or by writing to HBF at
GPO Box S1440, Perth WA 6845 at least 48 hours before the payment is due to be debited.
15. Except to the extent that disclosure is necessary in order to process debit payments, investigate and resolve disputed transactions or is otherwise required by
law, HBF will keep details of the member’s account and debit payments confidential.

Your privacy
HBF Health Limited (HBF) complies with the Privacy Act 1988 (Cth) to ensure that your personal (including sensitive) information (Information) is protected. HBF will use
the Information collected to process payment of your health insurance premium. We may not be able to perform this function or only perform it to a limited extent if
you do not provide us with your Information. We may disclose your personal information to financial institutions or your employer.HBF collects, uses and discloses your
Information in accordance with our Privacy Policy which is available at hbf.com.au or on request by calling HBF on 133 423. Our Privacy Policy contains further
information about how HBF handles your Information. This includes information on how you can access and/or seek the correction of your Information that we hold
about you as required by law and make a complaint about the way your Information is being handled by HBF and how HBF will deal with your complaint. If you have
any questions about how HBF handles your Information, please contact our privacy officer by writing to GPO Box S1440, Perth WA 6845 or by telephone on 1300 883
530.
HBF Health Limited ABN 11 126 884 786

Page 2 of 2