• Take control
    of your life when things go wrong
    with HCF Life Insurance.

  • Apply online and
    get one month free*


    *The free month applies to all HCF Life products purchased online and comes into effect at the start of the insurance period.

    Cover from
    0.90*per Week

    *Cover for one child (Kids' Accident Cover)

Find the right cover for you

Why life insurance is important

Protect your family and lifestyle


How would you care for yourself and your family if you had an accident or became ill? HCF Life Insurance ensures you will have money to help pay bills and support your loved ones if something prevents you from earning an income.

Need to cover more than one person? If you have an HCF Family Health policy, you can take advantage of our family cover options, which protect all eligible family members for one low price.

Covers the expenses health insurance doesn’t

Health insurance covers hospital treatments, but not many of the other costs of getting sick or injured. HCF’s Life Insurance products can help pay for expenses not usually covered by health insurance, such as gap payments, time off work, scans and tests, and travel for medical purposes.

Efficient claim processing


HCF Life stands by you when you need help. We paid more than 4,900 claims over the last 3 years* and received a consistently high satisfaction rating from our members.


We understand that making claims can be difficult when you’re under stress. That’s why we make the process as simple as possible. Our experienced claims team will guide you through every step to ensure your claim is paid quickly and efficiently.


*Based on HCF Life claims from 1 January 2012 to 31 December 2014.


Quick cash payments

In times of financial stress, you often need money quickly and our range of life insurance options will provide cash to help you meet medical costs and other expenses.

Cover for every stage of life

As your life changes, so do your needs and lifestyle. You start working, take up new hobbies and maybe even start a family. The kind of protection you need will change as you get older and your financial responsibilities change.


We have life insurance products to cover everyone from young singles to families and retirees. To find the best covers for your lifestyle, simply select your life stage below.

Young Adults

Singles and Couples

Growing Families

Established Families

Empty Nesters

Easy online application process

Select a product and get a quote in just minutes. There are no lengthy questionnaires and there’s no need for blood tests or medicals.

Kids' Accident Cover

Pays up to $100,000 if your child is injured in an accident anywhere in Australia.

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Cover from
0.90 per Week *

*Cover for one child

Cash Back Cover

Pays $5,000 for accidents requiring surgery, or for a number of serious illnesses.

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Cover from
2.00 per Week *

*Based on single cover

Bounceback Cover

Designed for under 30’s, pays up to $100,000 for accidents or illness.

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Cover from
7.00 per Week *

*Based on single cover for 16 to 30 year old

Income Assist Insurance

Pays up to 75% of your income for up to 12 months if you are unable to work due to illness or injury for 30 days or more.

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Cover from
1.65 per Week *

*Per person based on 18-29 year-old male accountant, non-smoker with normal BMI and $1,500 per month cover

Smart Term Insurance

Pays up to $500,000 on death or diagnosis of Terminal Illness. Includes $10,000 Funeral Benefit.

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Cover from
3.45 per Week *

*Per person based on male or female, aged 18-40 non-smoker with $100,000 cover

Critical Illness Cover

Pays up to $50,000 for serious specified illnesses such as heart attack, cancer or stroke.

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Cover from
2.30 per Week *

*Per person based on $25,000 single cover for 18-34 year-old

Personal Accident Insurance

Pays a benefit for listed injuries including fractures and burns and up to $50,000 for accidental death. Only available to applicants aged 55–74.

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Cover from
3.15 per Week *

*Based on single cover for $25,000 cover level

Hide all cover products

Claims paid

We understand that claim time can be stressful for our members, that's why our promise
to you is to handle your claim sensitively yet efficiently.

HCF is committed to paying claims to our members quickly and that is why we have over 4,900 satisfied claimants in the last 3 years*.

*Based on HCF Life claims from 1 January 2012 to 31 December 2014.

  • Claim stories

    Effy

    "Office worker Effy was doing her housework when she moved awkwardly, slipped and ended up with a prolapsed disc"...

    Office worker Effy was doing her housework when she moved awkwardly, slipped and ended up with a prolapsed disc.

    Effy was unable to work for a few months but thankfully she had bought HCF Life's Income Assist Insurance, and 75 per cent of her income was paid a month after the accident when her sick leave had run out.

    The monthly payments helped Effy pay her daily expenses and bills. She could also claim for additional childcare expenses so that her youngest child could still attend childcare, allowing Effy to rest and recover.

    Read the full story
    These stories reflect real-life situations and HCF Life claims. The names and some details have been changed to ensure anonymity.

  • Claim stories

    Ron

    "Ron was a proud father of three children under six, the youngest of whom was three months old"...

    Ron was a proud father of three children under six, the youngest of whom was three months old.

    After enjoying a family holiday in Western Australia, Ron was driving the long journey home when the family car was hit by another car. Ron was killed instantly in the collision.

    Ron liked to think ahead and had purchased an HCF Life Smart Term Insurance policy to provide for his wife and kids in case anything happened to him. Ron was insured for $300,000, but as his death was the result of an accident, the benefit was doubled and the family received $600,000.

    Ron's legacy to his family meant they were free to pay off their mortgage and any other outstanding debts, and help secure their financial future.

    Read the full story
    These stories reflect real-life situations and HCF Life claims. The names and some details have been changed to ensure anonymity.

An easy way to apply

Select your product and get a quote

 

Get a quote in less than 2 minutes on the product that suits your needs best. With a range of covers you are sure to find the cover that will protect you in the event of illness or accident

Apply online

Cover is easy to apply for with no blood tests or medicals and no lengthy questionnaires. In fact you could have cover in less than 5 minutes!

Cover for the family

Need to cover more than 1 person? Take advantage of our family cover options which cover all qualifying family members on your health policy for one low cost!

HCF Life Insurance products are issued by HCF Life Insurance Company Pty Limited (ABN 37 001 831 250, AFSL 236 806). Before you apply, you should read the relevant Product Disclosure Statement and Financial Services Guide, available by clicking the link on each product above, and consider if the relevant cover is appropriate for your objectives, financial situation or needs, as the information we have provided does not take these into account.