Kids' AccidentCover

Cash to cover unexpected costs like splints, extra treatments and therapies


Bumps, scrapes, breaks and stitches are all part of growing up. As a parent, you’ll do everything you can to give them the best chance at recovery.

Kids’ Accident Cover from the Recover Cover range of recovery and life insurance products pays cash straight to you for many common injuries, to help cover financial stress and unexpected costs like splints, extra treatments and therapies, or even keeping the house running while they get better.

Get a quote Call 1800 560 855

Abby's story

Surgery was the last thing Abby expected after her son, Archie's, bike accident. Having Kids' Accident Cover meant Abby could worry less about surgery costs and instead focus on Archie's recovery.
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Cash to recover

Kids’ Accident Cover is designed by HCF. We were voted Australia’s most trusted health fund by Roy Morgan Net Trust survey 3 years in a row*, so you can count on us to put your needs first.

Who can apply?
Australian permanent residents with a child aged under 17, with cover expiring when your child turns 17.

What does it pay for?
If your child suffers a specified injury as the direct result of an accident^ you can claim:

  • up to $650 for specified burns
  • up to $2,000 for broken bones
  • up to $100,000 for permanent disabilities^.

What makes our Kids’ Accident Cover uncommon?
Kids’ Accident Cover is:

  • affordable: only 90c per child per week 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.

Get a quote Call 1800 560 855


At what age does cover end?
Cover ends on your child's 17th birthday. To discuss cover options for after your child turns 17, call us on 1800 560 855.

How can I cover all my kids?
Yes, you can cover all your children under the age of 17. Each child will need their own policy. A policy costs 90c per week. If you have 2 children and you want them both covered, it will cost you $1.80 per week.

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

Read more FAQs



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.


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.


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.



Please read the Kids’ Accident Cover 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 Kids’ Accident 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, AFSL241 414 (HCF). The premiums for Kids’ Accident 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, 2019 and 2020.
^Subject to exclusions and limitations - please refer to the PDS and the Policy Document for further information.
#Get your cash payment when your claim is approved.

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