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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.

Get a quote Call 1800 560 855

Recover Cover Products

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.


Cover for every stage of life


As a parent, you’re responsible for your own wellbeing and your family’s as well. Recover Cover can give you peace of mind your family is protected for life's tougher moments.

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Young Adults

We've designed cover options for young people who want to protect their lifestyle. Whether you're injured playing sport or diagnosed with an illness, Recover Cover is here to help.

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People Over 55

If you're retired or approaching retirement, you may need support to get you through tough times. Recover Cover can help protect the financial needs of you and your loved ones.

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Our Income Protect Insurance was awarded the 2022 Mozo Experts Choice Award for Exceptional Value Income Protection as well as the 2022 WeMoney Award for Best Income Protection Insurance. Cover that can help you with the unexpected costs that come with recovery - that's uncommon.


We’re proud to be recognised by the Plan for Life Excellence Awards – Direct Life Insurance for 5 years in a row. Our unique range of recovery and life insurance products were awarded the Trauma Standalone and Accidental Injury winners for 2022.


At HCF Life, we understand that members may be experiencing vulnerability. Vulnerability can arise due to factors such as age, disability, injury, a mental health condition, physical health condition, language barriers, literacy barriers, cultural background, remote location, family violence, financial distress and the loss of a loved one. We also recognise that vulnerability can arise in other circumstances.

We’re committed to taking extra care to assist and support you (or your family, carer or support person) with empathy, compassion and respect. We encourage you to speak with our team so that we can identify and understand your needs and the ways we can help. If you tell us that you’re vulnerable, we’ll protect your right to privacy and handle any information you provide us in accordance with our privacy policy.

Read more about how we support customers experiencing vulnerability.
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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.

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Important Information

~ 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, 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 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.


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.