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We know you want to get back on your feet as quickly as you can after an illness or injury.   

Bounceback Cover from our Recover Cover range of recovery and life insurance products means if something goes wrong, you’ll have a fast payout* to help you recover – your way. So, if you need an Uber Comfort for your broken leg, special treatments or therapies, or a little extra time off work – we’ve got you covered.

Get a quoteCall 1800 560 855

“HCF’s Bounceback Cover was incredibly helpful, it actually saved my life financially for a moment. I hurt my shoulder, a tear, in a volleyball injury. I work for a transport company so couldn’t work with the injury, and I didn’t have income insurance. I’m 25 so hadn’t got that yet and it was really hard to go from a full-time wage to nothing. I’m so glad I had cover as things would have been really tough if I didn’t have it, and I wouldn’t have been able to recover as well. It was super easy to claim on, it was amazing.”

Jarrod, Recover Cover member, Bounceback Cover



Bounceback Cover is designed by HCF. We were voted Australia’s most trusted health fund by Roy Morgan Net Trust survey 3 years in a row^, so you can count on us to put your needs first.  

Who can apply?
Australian permanent residents aged between 16–30, with cover expiring at 65.  

What does it pay for?  

  • Up to $3,000 for accidents requiring surgery, fractures and breaks  
  • Up to $5,000 for specified burns  
  • Between $5,000–$100,000 for specified illnesses and accidents+.  

What makes Bounceback Cover uncommon?   
Our Bounceback Cover is:   

  • affordable: cover starts from $7 per week (for those aged 16–34), so it's made to fit many budgets 
  • fast: most claims are paid in less than 5 days (once we get the information we need)  
  • easy: no complex medical checks when you take out cover
  • flexible: cash payments* give you flexibility to recover your way.

Get a quoteCall 1800 560 855


When does my cover end?
You can keep your Bounceback Cover until you're 65.

Does the premium increase with age?
Yes, premiums are $1 a day for ages 16–34, premiums will then increase every 5 years from age 35.

I have a pre-existing condition. Am I eligible for this cover?
You can take out this cover, but we don't pay benefits for pre-existing conditions.

Have another question? Head over to our Recover Cover FAQs to find answers on topics like eligibility, quotes and waiting periods.

Read more FAQs

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Stay on top of bills and mortgage repayments if you're unable to work with cover that can help keep you afloat when recovering from an illness or injury. For those aged 18–54.


Deal with the unpredictable financial impact of serious illness with a fast cash payment so you can concentrate on your health and recovery instead of bills. For those aged 18–54.

Find out more about all our recover cover products

Important Information

Please read the Bounceback Cover Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. Bounceback Cover 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, AFSL241 414 (HCF). The premiums for Bounceback Cover are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 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 may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year's premium.

*Get your cash payment when your claim is approved.
^Roy Morgan Net Trust Survey 2018, 2019 and 2020.
+Subject to exclusions and limitations - please refer to the PDS and the Policy Document for further information.

HCF Life is a member of the Financial Services Council and we are bound by its Life Insurance Code of Practice which sets out the Australian life insurance industry’s key commitments and obligations to customers. Further information is available at