8 weeks free until 03/08/26^
YOUR INITIAL QUOTE
CRITICAL ILLNESS INSURANCE
Your selected cover level
Your premium estimate
$
Your insured amount
2 weeks free*
When you pay half-yearly
4 weeks free*
When you pay yearly
2 weeks free*
When you pay half-yearly
4 weeks free*
When you pay yearly
2 weeks free*
When you pay half-yearly
4 weeks free*
When you pay yearly
2 weeks free*
When you pay half-yearly
4 weeks free*
When you pay yearly
4 weeks free*
When you pay yearly
8 weeks free applied^
8 weeks free applied^
8 weeks free applied^
8 weeks free applied^
10 weeks free applied
2 weeks free* when you pay half-yearly plus 8 week free promo^
12 weeks free applied
4 weeks free* when you pay yearly plus 8 week free promo^
AWARD-WINNING LIFE INSURANCE
We're proud to be a leading choice for Australians seeking trusted, quality coverage.
COMPARE COVER LEVELS
Compare the 2 levels of cover available with our Critical Illness Insurance to find the level that best suits your needs.
Refer to the PDS for the full terms of cover, including conditions, exclusions and limitations.
Cancer, heart attack and stroke cover
You have selected this cover level.
We’ll pay a benefit if you suffer one of the following critical illnesses. Refer to the PDS for conditions, exclusions and limitations.
Cover available from $25,000 up to $100,000
Cancer (specified severity)
Heart attack (with evidence of severe heart muscle damage)
Stroke in the brain resulting in specified permanent impairment
Automatic indexation increase of benefits applied annually.
Cover while temporarily travelling overseas.
Cover expires on the first policy anniversary after reaching age 65.
Any special conditions agreed with you that is applied to your policy during underwriting.
A critical illness that occurs on or before cover commencement or during the 90-day qualifying period.
A critical illness that’s directly or indirectly caused by drug or alcohol abuse, intentional self-injury, attempted suicide or an illegal act.
A critical illness that isn’t diagnosed or recognised by a medical practitioner in Australia or involves a medical procedure not undertaken in Australia.
Extended Illness Cover
You have selected this cover level.
We’ll pay a benefit if you suffer one of the following critical illnesses. Refer to the PDS for conditions, exclusions and limitations.
Cover available from $50,000 up to $200,000
Cancer (specified severity)
Early-stage cancers (selected)*
For early-stage skin melanoma, early-stage prostate cancer and carcinoma in situ of a specified site.
Heart attack (with evidence of severe heart muscle damage)
Stroke in the brain resulting in specified permanent impairment
Cardiac arrest outside a hospital
Chronic organ failure (specified organs)
Coronary artery angioplasty*
Coronary artery bypass surgery
Loss of a limb^
Major head trauma (with permanent neurological impairment)^
Open heart surgery
Severe permanent cardiac impairment
Surgery of the aorta
Blindness (total and permanent)*^
Deafness (total and permanent)*^
Paralysis (total and permanent)^
Severe burns (specified severity)^
Automatic indexation increase of benefits applied annually.
Cover while temporarily travelling overseas.
Cover expires on the first policy anniversary after reaching age 65.
Any special conditions agreed with you that is applied to your policy during underwriting.
A critical illness that occurs on or before cover commencement or during the 90-day qualifying period (for specified critical illnesses).
A critical illness that’s directly or indirectly caused by drug or alcohol abuse, intentional self-injury, attempted suicide or an illegal act.
A critical illness that isn’t diagnosed or recognised by a medical practitioner in Australia or involves a medical procedure not undertaken in Australia.
HELP EASE THE FINANCIAL STRAIN OF SERIOUS ILLNESS
Cover up to $200,000
Depending on your chosen level of cover, get up to $100,000 or $200,000## if you suffer a specified critical illness – how you use your benefit is up to you.
2 levels of cover
Choose between cover for 3 major conditions only (cancer, heart attack and stroke) or for these conditions plus a range of other serious medical conditions along with partial payment for selected early-stage cancers##.
No complex medical checks
No complex medical checks to take out cover and you can apply online.
WANT TO LEARN MORE ABOUT CRITICAL ILLNESS INSURANCE?
We’ve answered some common questions to help you make the right choice.
What’s Critical Illness Insurance (trauma insurance)?
There are some things in life we don’t want to think about, but it can pay to plan for the unexpected. When serious illness strikes, like a heart attack or cancer, it can impact more than just your health.
Critical Illness Insurance, also known as trauma insurance, provides financial support to help you deal with the financial impact of serious illness. It can help fill the gap not covered by traditional health insurance by paying you cash that can be used any way you choose to support you through the recovery process – whether you need it for extra treatments or therapies, taxis to and from the doctor or for help around the house.
What’s covered by Critical Illness Insurance?
Critical Illness Insurance covers you if you suffer a specified critical illness.
Depending on your level of cover, HCF Critical Illness Insurance can provide a benefit from $25,000 up to $200,000 in the event of you suffering a specified serious illness.
Critical Illness Insurance is available to permanent Australian residents aged 18 to 59, with cover expiring on the first policy anniversary after reaching age 65.
Refer to Compare Cover Levels table. For full terms and conditions, read the Critical Illness Insurance PDS.
What’s not covered by Critical Illness Insurance?
Certain events aren’t covered by Critical Illness Insurance, which means claims aren’t payable for these events. Exclusions for Critical Illness Insurance include:
a critical illness directly or indirectly caused by intentional self-injury or attempted suicide
a critical illness directly or indirectly caused by acts of war, whether declared or not, hostilities, civil commotion, terrorism or insurrection
any special conditions that are applied as a result of your health and lifestyle assessment. When applicable, these conditions will be detailed in your policy schedule.
Refer to Compare Cover Levels table. For full terms and conditions, read the Critical Illness Insurance PDS.
How are premiums for Critical Illness Insurance calculated?
Your Critical Illness Insurance premium changes each year on your policy anniversary date. It’ll generally increase over time, with increases typically getting larger as you get older.
Your premium is based on factors like:
age
gender
smoking status
insured benefit amount and automatic indexation increases applied to the benefit amount
health and lifestyle factors as assessed at the time of application.
For full terms and conditions, read the Critical Illness Insurance PDS.
How do I make a Critical Insurance claim?
To make a Critical Illness Insurance claim, you can call us on 13 13 34 or email us at lifeclaims@hcf.com.au and we’ll provide you with a claim form to complete and return to our claims team to assess.
Important Information
## Subject to conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.
^^ Pay annually and get 52 weeks cover for the price of 48 weeks. Alternatively, pay each 6 months and get 26 weeks cover for the price of 24 weeks. You can change your payment frequency on the quote page. If more than one discount is available, they will be applied sequentially. Offer is subject to change. Offer applies across all HCF Life Recover Cover products.
^ The 90 day qualifying period does not apply to these illnesses
* A partial benefit payment applies to these illnesses. Refer to the PDS (page 4) for further information
Critical Illness Insurance is issued by our own HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life) and arranged by The Hospitals Contribution Fund of Australia Limited, ABN 68 000 026 746, AFSL 241 414 (HCF), which wholly owns HCF Life. HCF and HCF Life do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo. The relevant Target Market Determination is available is also available at hcf.com.au/lifeinfo. The premiums for the critical illness 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.
Privacy: How HCF collects, uses, discloses and keeps and secures personal information is explained in the HCF privacy policy. For a copy of this policy, call our member services team on 13 13 34 or go to hcf.com.au/privacy
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.
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HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan
