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HCF Life Recover Cover is an award-winning**** range of life and recovery insurance products that help support you and your loved ones with unexpected costs when it matters most.
Recovery taken care of
Here at HCF, we take care of more than just health insurance so you and your family can be protected when life’s hurdles come your way.
Having an accident or falling ill can be unexpected, and what’s even more unexpected are recovery expenses like taxis, extra rehab, parking, babysitters or help if you need time off work.
We’re here for you with Recover Cover~ – a unique range of recovery and life insurance products to help with the costs that come with recovery.
Recover Cover pays you cash so you can recover at your own pace. It’s:
- affordable: cover starts from just $1.25 a week with no excess, so it’s made to fit all budgets
- fast: most claims are paid in less than five 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.
Recover Cover is just another way HCF provides Uncommon Care.
Life protect insurance
Receive a lump sum that can help financially support your loved ones if you pass away or are diagnosed with a terminal illness^. Cover up to $1.5m+. For those aged 18 to 65.
Income Protect Insurance
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 injury. For those aged 18–60.
Cash Back Cover
Make the most of a cash payment to help cover costs like parking, taxis to doctors and babysitters when you’re recovering from an illness or injury. For those aged 16–60.
Kids' Accident Cover
Get cash paid direct to you for common kids’ injuries to help cover costs like splints and extra treatments, or even use it to keep the house running. For children aged under 17.
Personal Accident Insurance
Recover your way from accidents big and small with a cash payment to help take care of costs like meals, cleaners and visits to the doctor. For those aged 55–74.
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.
Recover Cover FAQs
Find answers on topics like eligibility, quotes and waiting periods.
FIND OUT MORE ABOUT OUR RECOVER COVER PRODUCTS
Cover for every stage of life
People Over 55
AWARD-WINNING INCOME PROTECT INSURANCE
AWARDED FOR EXCELLENCE 5 YEARS IN A ROW
SUPPORT FOR VULNERABLE MEMBERS
Read more about how we support customers experiencing vulnerability.
Recover cover FAQs
Do I need to have private health insurance with HCF to buy Recover Cover?
For most of our products, you won’t need to have HCF private health insurance to buy Recover Cover. But you’ll need a couple or family HCF private health insurance policy to take out a family level of Cash Back Cover or a family level of Critical Illness Cover.
Is there an age limit to taking out Recover Cover?
All Recover Cover products include age limitations, and these vary depending on the cover type. To compare our types of cover, see Recover Cover Made For You, or call us on 1800 560 855 to go over your options.
Is there someone I can talk to about Recover Cover?
Yes, we have Recover Cover specialists on hand to help you find the right cover for your circumstances. Call us on 1800 560 855.
Have another question? Head over to our Recover Cover FAQs to find answers on topics like eligibility, quotes and waiting periods.
~ Terms and conditions apply. Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at hcf.com.au/lifeinfo. Our Recover Cover products are 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 Recover Cover products 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.
^ Less than 24 months life expectancy. Subject to terms and conditions, exclusions, limitations and definitions. Please refer to the PDS and Policy Document for further information.
+ This is the maximum benefit amount depending on your age and level of cover. Premiums will vary depending on age, gender, smoking status, level of cover, any applicable inflation increases and discounts and your health and lifestyle assessment.
### Offer applies across all HCF Life Recover Cover products and will be applied to the second month’s premium on all new policies applied for on or before 31st March 2024. 1 month free applies after the first full premium payment is received by HCF Life. For weekly frequencies, the offer will be applied to your account after 4 weeks’ premium have been paid. For payment frequencies greater than monthly, the 1 month free will be applied to your second frequency payment. Offer doesn’t apply if you cancel your policy in the first 30 days. Cancellations from inception won’t have the 1 month free refunded. Offer available to permanent Australian residents only and age restrictions apply. Products issued by HCF Life. Consider the relevant PDS and TMD available at hcf.com.au/lifeinfo
**** 2023 WeMoney winners, Best for Income Protection Insurance and Best for Quality (Life Insurance).
LIFE INSURANCE CODE OF PRACTICE
HCF Life is bound by the 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 CALI Life Insurance Code of Practice.