Extra cash to help recover from accidents big and small
Recognised for excellence
Apply if you’re a permanent resident of Australia aged 55–74, cover expires at 85.
Claims paid fast#
We pay most claims in under five days# to help with your recovery.
From $3.20 per week for $25,000 cover level.
Cash to use your way
Accidents can be unexpected, inconvenient and sometimes disruptive. Personal Accident Insurance gives you flexible, financial help to assist with recovery from accidents big and small.
We get it, accidents happen. We also understand the path to recovery can be dotted with unexpected costs: transport, meals, cleaners, shopping and visits to the doctor. That’s why it’s no accident that Personal Accident Insurance pays you cash to help you recover.
Hospital and medical costs
Personal Accident Insurance can help fill the gaps not covered by your health insurance. This can include your excess, any gap fees your doctor charges, and other payments not covered by your hospital cover.
We pay you cash when your claim is approved, giving you the flexibility to use it to recover your way.
Protect yourself from unexpected costs
Get up to $15,000 for specified injuries and up to $50,000 for accidental death (for $50,000 cover level)*.
Big and small accidents
Personal Accident Insurance pays you cash for specified injuries including fractures, burns and dislocations, and accidental death*. Read the Product Disclosure Statement (PDS) and Financial Services Guide for the list of injuries covered.
Choose your level of cover
Choose from two levels of cover: $25,000 and $50,000. The $25,000 cover level pays from $250 to $7,500 for specified injuries and $25,000 for accidental death*. The $50,000 cover level pays double the amounts payable on the $25,000 cover level*.
Claim multiple times
You can make multiple claims up to a maximum total of $25,000 or $50,000, depending on the level of cover you take out during the life of the policy.
“I signed up for Personal Accident Insurance a few years ago. At the time I thought ‘why not?’ – and wow, I’m so glad I did. I was walking along outside a shopping centre, it had been wet, and I tripped over. I knew I had done something really bad, I could feel it – and it turned out I needed a hip replacement. I was in hospital for nine days recovering, although I am as good as gold now! I remembered I had Personal Accident Insurance and rang HCF, who said put a claim in and they would sort it out. I got a lovely surprise as a cash payment went straight into my bank account in a week or so, it was wonderful. It helped with my bills and HCF were just excellent. I feel so blessed that I am with HCF. You don’t feel stressed as you know you’re covered.
I’m so glad I’m with HCF, I was so pleasantly surprised with how easy it all was, and the payment really helped me in my recovery. I feel like HCF really showed me a level of care that you don’t get everywhere.”
Anne, HCF Life Member
Get started today
*Personal Accident Insurance is available in two levels of cover: $25,000 and $50,000. The $25,000 cover level pays from $250 to $7,500 for specified injuries including fractures, burns and dislocations, and $25,000 for accidental death. The $50,000 cover level pays double the amounts payable on the $25,000 cover level. Sub-limits and exclusions apply. Injury must be caused by an externally caused, unexpected, unintended and unforeseen event. Death must be due to violent, external and visible means solely and directly caused by an accident. Please read the Product Disclosure Statement (PDS) and Financial Services Guide by calling 13 13 34 or visiting https://www.hcf.com.au/pdf/Brochures/Personal_Accident_Insurance.pdf
#Most claims paid in under five days once we receive all the information we need from you.
**The grantor of the Direct Life Insurance Awards is Plan For Life, Actuaries and Researchers, previously branded as "Strategic Insight". Asset International Australia Pty Ltd is the legal entity name for Plan For Life. Plan For Life is an ISS Market Intelligence (ISS MI) brand. ISS MI is a division of Institutional Shareholder Services (ISS). The Direct Life Insurance Awards recognise Life Insurance company excellence in the provision of Direct Life Insurance products and services to Australian consumers over the past year. The Accidental Injury Excellence award and the Recovery Assistance Excellence award were part of the ‘Life Company Product Awards’ Award Category in the Direct Life Insurance Awards 2019.
^^The grantor of the Australian Service Excellence Awards is the Customer Service Institute of Australia. The Australian Services Excellence Awards recognise best practice, performance and innovation in customer service. HCF has been recognised in the Australian Service Excellence Awards for eight years consecutively since 2012.
Please consider the Product Disclosure Statement (PDS) and Financial Services Guide available by calling 13 13 34 or visiting https://www.hcf.com.au/pdf/Brochures/Personal_Accident_Insurance.pdf, and consider your financial situation, objectives, and needs before deciding on Personal Accident Insurance as any advice provided does not take these into account. Personal Accident Insurance is issued by our own HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF). The premiums for Personal Accident Insurance 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.