ABOUT RECOVER COVER
At HCF, we’re always challenging ourselves to find a better way to give more back to our members. While we're lucky in Australia our healthcare system has most accidents and illnesses covered, we know the costs don't always stop when you leave hospital.
That’s why we created a unique range of life and recovery products to help with the unexpected costs that come with getting back on your feet after illness or injury. We call these products, Recover Cover.
At HCF, we take care of more than health insurance to make sure you’ve got the financial support you need when leaving hospital after illness or injury.
Whether you’ve got a mortgage or bills to pay, or you want to keep your lifestyle on track, Recover Cover gives you cash to help with the unexpected costs that come with recovery, like extra rehab, hospital parking, childcare or time off work.
Designed to help fill the gaps not covered by traditional health insurance; our products are:
- affordable: made to fit all budgets
- fast: most claims are paid in less than 5 days (once we get the details 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.
RECOVERY TAKEN CARE OF
Sometimes it’s hard to figure out everything on your own. Our Recover Cover specialists can talk you through our products to make sure you can find what’s right for you, giving you peace of mind your recovery is taken care of.
Cover you can trust
We designed Recover Cover with you in mind. Our 7 cover options include cover for critical illness, personal accident, income protection and life insurance so you can better protect you and your family’s lifestyle and personal circumstances.
We were also voted Australia’s most trusted health fund for private health insurance^, so you can count on us to put your needs first with Recover Cover.
Recover cover products
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.
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 while they get better.
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 accident.
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.
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 those aged 18–54.
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.
Take a quick payout for your recovery to help with unexpected costs like an Uber Comfort for your broken leg, extra treatments and therapies, or a little extra time off work.
FIND OUT MORE ABOUT OUR RECOVER COVER PRODUCTS
Recover cover FAQs
Do I need to have private health insurance with HCF to apply for Recover Cover?
For most of our products, you won’t need to have HCF private health insurance to apply for 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, visit our page 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.
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. Recover 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 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.
^Roy Morgan Net Trust Survey 2018, 2019 and 2020.
+Life expectancy of less than 12 months.
LIFE INSURANCE CODE OF PRACTICE
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 fsc.org.au