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Compare & Switch
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Compare & Switch
Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.
- Compare Health Insurance
- Switch health insurance to HCF
- Get a quote
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Health
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Health
Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.
- Why health insurance
- Find health insurance cover
- Corporate health search
- Find a provider
- Health programs
- Get a quote Find out more
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Overseas Visitors
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Overseas Visitors Health Insurance (OVHC)
Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).
- Online GP Consultations
- Get a quote Find out more
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Life
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HCF Life and Recover Cover
Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.
- Why Life Insurance and Recover Cover
- Find Life Insurance and Recover Cover
- Income Protect Insurance
- Life Protect Insurance
- Find out more
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Travel
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Travel
Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.
- Find out more
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Pet, Home & Car
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Pet, Home & Car
From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.
- Pet
- Home & Contents
- Landlord
- Car
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Flip
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Flip
Flip helps you to embrace life's moments with simple, affordable insurance and easy access to preventative dental care.
- Flip insurance
- Flip Dental
- Get cover now
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About HCF
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About HCF
Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.
- Our benefits
- Our partners
- Member care services
- Research Foundation
- Sustainability
- Loyalty program
- Get help
- Get a quote
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PERSONAL ACCIDENT INSURANCE
If you’re aged 55 to 74, you can get a fast and flexible cash payment to support your recovery from specified injuries caused by an accident.
WHY CHOOSE HCF PERSONAL ACCIDENT INSURANCE?
HCF Personal Accident Insurance provides financial support while you recover from specified injuries caused by an accident, or pays a direct benefit to your loved ones if you pass away from an accident*.
2 levels of cover
Get cover up to $25,000 or $50,000, depending on your needs and budget.
Flexible cash payment
Recover your way from an accident – how you use your cash is up to you.
Made to suit all budgets
Cover costs $3.20 per week ($25,000 cover) or $6.35 per week ($50,000 cover).
Fast claims processing
Most claims paid in less than 10 days (once we get the information we need).
DO I NEED PERSONAL ACCIDENT INSURANCE?
If you’re aged 55 to 74, and you’re injured or die in an accident in Australia*, Personal Accident Insurance provides a financial safety net to help look after you or your loved ones.
Peace of mind
Get extra cash for recovery, especially if you’re worried about falls and other accidents.
A helping hand
Get help around the house, pay for taxis or cover the bills while you focus on your health.
Take care of family
Get up to $50,000 (depending on your cover) if you pass away as a result of an accident*.
Extra protection
Helps fill the gaps not covered by health insurance with extra cash to use how you want.
DESIGNED FOR MEMBERS. AWARDED BY THE INDUSTRY.
HCF Personal Accident Insurance won the Accident Injury award for 2019 to 2023.
Recognised at the 2024 Finder Customer Satisfaction Awards as Most Trusted Brand in the Direct Life Insurance category.
WeMoney’s award Best for Income Protection Insurance (Direct), 3 years running (2022 to 2024).
FIND COVER THAT’S RIGHT FOR YOU
Looking for something else? Explore our other life insurance and Recover Cover products and find cover that’s right for you.
Life Protect Insurance
Provides financial support if you're diagnosed with a terminal illness^ or pass away.
Critical Illness Cover
Helps ease the financial strain of serious illness so you can focus on recovery.
Cash Back Cover
Pays cash to help with the costs of recovery like extra rehab, taxis or help around the house.
Kids’ Accident Insurance
Pays cash to help your kids recover from a range of injuries caused by an accident.
NEED MORE INFORMATION ABOUT PERSONAL ACCIDENT INSURANCE?
Answers to commonly asked questions to help you make the right choice.
Personal accident insurance is designed to help with any extra costs related to injuries caused by an accident, like fractures, dislocations and burns that require surgery. It provides financial support to help with recovery costs, or pays your beneficiaries a direct benefit if you pass away from an accident*.
Accidents happen, and the path to recovery often includes unexpected costs – extra rehab, visits to the doctor, transport, meals and cleaners. Personal accident insurance can help give you peace of mind, especially if you’re worried about slips, falls and other accidents.
It can help fill the gap not covered by traditional health insurance by providing financial support that can be used any way you choose to support you through the recovery process.
If you're aged 55 to 74, Personal Accident Insurance pays a benefit of up to $25,000 or up to $50,000 for specified injuries caused by an accident within Australia:
- $25,000 cover level pays from $250 to $7,500 for particular accidental injuries, limited to certain fractures, dislocations that need surgery under anaesthesia and second-degree or third-degree burns, and $25,000 for accidental death*.
- $50,000 cover level pays from $500 to $15,000 for particular accidental injuries, limited to certain fractures, dislocations that need surgery under anaesthesia and second-degree or third-degree burns, and $50,000 for accidental death*.
For full terms and conditions, read the Personal Accident Insurance PDS.
Personal Accident Insurance won’t pay you a benefit in certain situations, for example, if your injury:
- occurred while you were overseas
- is a result of an illegal act or intentional self-injury.
Personal Accident Insurance is only available to Australian permanent residents aged 55 to 74 at the time of application, with cover expiring at 85.
For full terms and conditions, read the Personal Accident Insurance PDS.
Personal Accident Insurance is designed to suit all budgets, costing just $3.20 per week for the $25,000 cover level, and $6.35 per week for the $50,000 cover level.
To make a Personal Accident 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.
Personal accident insurance is designed to help with any extra costs related to injuries caused by an accident, like fractures, dislocations and burns that require surgery. It provides financial support to help with recovery costs, or pays your beneficiaries a direct benefit if you pass away from an accident*.
Accidents happen, and the path to recovery often includes unexpected costs – extra rehab, visits to the doctor, transport, meals and cleaners. Personal accident insurance can help give you peace of mind, especially if you’re worried about slips, falls and other accidents.
It can help fill the gap not covered by traditional health insurance by providing financial support that can be used any way you choose to support you through the recovery process.
If you're aged 55 to 74, Personal Accident Insurance pays a benefit of up to $25,000 or up to $50,000 for specified injuries caused by an accident within Australia:
- $25,000 cover level pays from $250 to $7,500 for particular accidental injuries, limited to certain fractures, dislocations that need surgery under anaesthesia and second-degree or third-degree burns, and $25,000 for accidental death*.
- $50,000 cover level pays from $500 to $15,000 for particular accidental injuries, limited to certain fractures, dislocations that need surgery under anaesthesia and second-degree or third-degree burns, and $50,000 for accidental death*.
For full terms and conditions, read the Personal Accident Insurance PDS.
Personal Accident Insurance won’t pay you a benefit in certain situations, for example, if your injury:
- occurred while you were overseas
- is a result of an illegal act or intentional self-injury.
Personal Accident Insurance is only available to Australian permanent residents aged 55 to 74 at the time of application, with cover expiring at 85.
For full terms and conditions, read the Personal Accident Insurance PDS.
Personal Accident Insurance is designed to suit all budgets, costing just $3.20 per week for the $25,000 cover level, and $6.35 per week for the $50,000 cover level.
To make a Personal Accident 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.
Have another question? Head over to our Recover Cover FAQs to find more answers.
Looking for something else?
If you can’t find what you’re looking for, our team are ready to help and guide you in the right direction.
Call us
Have a question? Call our friendly team of Recover Cover specialists on 1800 560 855 , Monday to Friday, 8am to 8pm (AEST) and Saturday, 9am to 5pm (AEST).
Make a claim
Our claiming process is fast and easy, and most of our claims are paid in less than 10 days (once we get the information we need).
Important Information
HCF Recover Cover products are issued by 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 HCF Life Protect and 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.
* Subject to conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.
^ Less than 24 months’ life expectancy. Subject to conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.
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.
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