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cash back when you need it most

We’re lucky in Australia – our healthcare system has most accidents covered. But sometimes the costs don’t stop when you leave hospital.

Our Cash Back Cover from our Recover Cover range of recovery and life insurance products gives you cash to help with the costs of recovery you weren’t expecting like taxis to the doctor, extra rehab, hospital parking, babysitters or help if you need time off work.
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As a cafe business owner with a cancer diagnosis, Vivian didn’t know how she could work through chemo. Thankfully, Cash Back Cover was there to support her during her time of need.

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Cash to recover

Cash Back Cover is designed by us. We were voted Australia’s most-trusted private health fund by Roy Morgan Net Trust survey 2 years running*, so you can count on us to put your needs first.

Who’s eligible for Cash Back Cover?
Australian residents aged 16–60 with the policy expiring at 65. Protect everyone on your HCF health insurance with the Cash Back Family Cover option.

What does this cover pay for?
  • Pays $5,000^ for accidents needing surgery+, or for specified serious illnesses including major cancer, heart attack and stroke.  
  • Make multiple claims up to $20,000 for singles and $40,000 for families.
What makes our Cash Back Cover uncommon?
Our Cash Back Cover is:
  • affordable: cover starts from $2 per week for singles and $4 per week for families
  • 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.
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Cash back cover FAQs

Does Cash Back Cover have waiting periods?
Cash Back does not have any waiting periods. However, you aren't able to claim on any pre-existing conditions or serious illnesses that arise within the first 2 months of cover.

Am I covered if the accident happens overseas?
No, Cash Back Cover only covers accidents in Australia.

Can I claim more than once on a Cash Back Cover policy?
Yes, you can claim multiple times on your Cash Back Cover policy, up to a total of $20,000 for singles and $40,000 for family policies.

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

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More of our products

Income Assist

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 illness or an accident. For those aged 18–54.

Smart Term

Get a lump sum if you’re diagnosed with a terminal illness** or when you pass away, so your family can worry less about money and focus on dealing with their loss. For ages 18–54.

Critical Illness Cover

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 16–60.

Find out more about all our recover cover products

Important Information

Terms and conditions apply. Please read the Cash Back Cover Product Disclosure Statement 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. Cash Back 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, AFSL 241 414 (HCF). The premiums for Cash Back 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.

*Roy Morgan Net Trust Survey 2018 and 2019.
^For Cash Back policies issued prior to 15 February 2015 the benefit payable is $2,500.
+Surgery must be necessary as a result of the accident and within 6 months of the accident.
#Get your cash payment when your claim is approved.
**Life expectancy of less than 6 months.

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