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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.  

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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 2 years running*, 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 result of an accident^ you can claim:

  • up to $650 for 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.  
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Kids' Accident Cover FAQs

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

More of our 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. For those aged 16–60.

Smart Term

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.

Income Assist

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. For those aged 18–54.

Find out more about all our recover cover products

Important Information

Please read the Kids’ Accident Cover Product Disclosure Statement 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. 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 and 2019.
^Bodily injury caused by an Accident which results in an Impairment immediately, or in a Permanent Disability within 6 months of the Accident.
+This must be an externally caused unexpected, unintended and unforeseen event.
#Get your cash payment when your claim is approved.
**Life expectancy of less than 6 months.

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