Quote number:
YOUR INITIAL QUOTE
LIFE PROTECT INSURANCE
Your premium estimate
$
Your cover 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
2 weeks off applied
4 weeks off applied
Book a call with one of our team members.
WHEN WE WIN, YOU WIN
WeMoney’s Best for Flexibility (Direct) and Outstanding Customer Service – Life Insurance 2 years running (2025 to 2026).
WHAT’S INCLUDED IN YOUR COVER
Find out what’s included and excluded from your chosen cover.
Refer to the PDS for the full terms of cover, including conditions, exclusions and limitations.
Life Protect Insurance
You have selected this cover
Life Protect Insurance is designed to help look after your family if you’re no longer able to. It pays a lump sum if you’re diagnosed with a terminal illness or pass away. Refer to the PDS for conditions, exclusions and limitations.
Death benefit
Cover available from $100,000 up to $1.5 million depending on your chosen level of cover^.
Terminal illness benefit
Receive your insured benefit if you are diagnosed with a terminal illness of less than 24 months life expectancy**.
Advance payment
An advance payment of $15,000 to help cover immediate expenses like funeral costs while we are assessing your claim***.
Top up your cover without further underwriting
Increase your insured benefit by up to $150,000 without further underwriting (health and lifestyle assessment) when selected Life Events occur such as you get married or your child starts high school++.
HCF members save 10%
Eligible HCF members get a 10% discount# on Life Protect premiums.
Automatic indexation increase of benefits applied annually
To help keep up with the cost of living, automatic inflation increases of up to a maximum of 5% per annum are applied to your insured benefit.
Access to support services
Access to 24/7 grief counselling and support like legal advice and funeral assistance^^.
Cover while temporarily travelling overseas
Available to permanent Australian residents aged 18 to 65, with cover expiring at age 99.
Any special conditions agreed with you that are applied to your policy during underwriting (health and lifestyle assessment).
Suicide within 13 months of the commencement date, or within 13 months of your policy being reinstated.
Acts of war, whether declared or not, hostilities, civil commotion, terrorism or insurrection.
HELP PROTECT YOUR LOVED ONES NOW AND IN FUTURE
Flexible
Change your cover amount as your life changes without further assessment of your health or lifestyle++.
Easy
No need for complex medical checks, just answer a few health and lifestyle questions. Call our friendly experts or apply online.
Worldwide coverage
Stay covered while temporarily travelling abroad, 24 hours a day, 7 days a week++.
LEARN MORE ABOUT LIFE PROTECT INSURANCE?
Answers to commonly asked questions to help you make the right choice.
What’s covered by HCF Life Protect Insurance?
Life Protect Insurance covers you if you die or are diagnosed with a terminal illness of less than 24 months’ life expectancy.
Depending on your age and level of cover, Life Protect Insurance can provide:
- from $100,000 up to $1.5 million^ in the event of death or terminal illness**
- an advance payment of $15,000 that can be used for living expenses, bills or funeral costs while we assess your claim***.
Life Protect is available to permanent Australian residents aged 18 to 65, with cover expiring at age 99.
For full terms and conditions, read the Life Protect Insurance PDS.
What’s not covered by HCF Life Protect Insurance?
Certain events are not covered by Life Protect Insurance, which means claims are not payable for these events. Exclusions for Life Protect Insurance include:
- suicide within 13 months of the commencement date, or within 13 months of your policy being reinstated
- acts of war, whether declared or not, hostilities, civil commotion, terrorism or insurrection
- any special conditions agreed with you after your health and lifestyle assessment. These conditions will be detailed in your policy schedule.
For full terms and conditions, read the Life Protect Insurance PDS.
How do premiums work for HCF Life Protect Insurance?
Your Life Protect Insurance premium changes each year on your policy anniversary date. It will 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
- inflation
- health and lifestyle factors as assessed at the time of application.
You can increase your cover amount for certain life events without needing another health and lifestyle assessment++.
Get an initial quote in under 3 minutes and buy your cover online or call our friendly experts on 1800 560 855 if you need any help.
For full terms and conditions, read the Life Protect Insurance PDS.
Important Information
* Offer applies across all HCF Life Recover Cover products. Two weeks free automatically applied to the half-yearly premium payable. Four weeks free automatically applied to the yearly premium payable. Cancellations won’t have the two or four weeks free refunded. Offer available to permanent Australian residents only and age restrictions apply. Products issued by HCF Life. Consider the relevant PDS and TMD available at hcf.com.au/lifeinfo.
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.
^ This is the maximum benefit amount depending on your age and level of cover.
** Less than 24 months’ life expectancy. Subject to conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.
*** Payment of the advance payment is subject to satisfactory proof of death and cover and does not mean your claim for the death benefit is approved. The advance payment will be subtracted from the total Insured Benefit and the balance remaining will be payable on settlement of the death claim. Please refer to the PDS and Policy Document for further information.
++ Subject to conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.
# To be eligible for a 10% saving, HCF members must have HCF hospital or extras cover. Excludes Ambulance Only and Overseas Visitors Health Cover. If more than one discount is available, they will be applied in a predetermined order. Offer is subject to change.
^^ Available services include legal and tax professionals, tradespeople, home help and funeral assistance services. Your initial consultation with a legal or tax adviser will be free. You’ll be responsible for fees associated with additional legal and tax consultations, any for other service providers. For home help, we may also be able to recommend government funded organisations that offer fee free services.
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
