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CASH BACK COVER

Get a fast cash payment to help with extra costs while you’re recovering from a specified serious illness or an accident requiring surgery*.

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WHY CHOOSE HCF CASH BACK COVER?

HCF Cash Back Cover pays you cash to help with the costs of recovery, like extra rehab, taxis or time off work.

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Flexible cash payment

Get a $5,000 payment for accidents requiring surgery, or for specified serious illnesses*.

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Made to suit all budgets

Cover starts from $3 per week for singles and $6 per week for families.

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Apply online

No complex medical checks to take out cover and you can apply online.

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Fast claims processing

Most claims paid in less than 10 days (once we get the information we need).

DO I NEED CASH BACK COVER?

HCF Cash Back Cover gives you an extra layer of financial protection so you can recover at your own pace.

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Extra protection

Helps fill the gaps not covered by health insurance with extra cash to use how you want.

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A helping hand

Get help around the house, pay for taxis or cover the bills while you focus on your recovery.

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Self-employed

Access a lump sum payment to help keep you afloat if you need time away from your business.

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Peace of mind

Rest easy knowing you can access fast and flexible financial support if you need it.

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Vivian

VIVIAN'S STORY

As a cafe business owner with a cancer diagnosis, Vivian didn’t know how she could work through chemo. Thankfully, Cash Back Cover was there to support her during her time of need.

DESIGNED FOR MEMBERS. AWARDED BY THE INDUSTRY.

Mozo Experts Choice Award for Exceptional Value Income Protection, 4 years running (2022 to 2025).

Recognised at the 2024 Finder Customer Satisfaction Awards as Most Trusted Brand in the Direct Life Insurance category.

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WeMoney’s Best for Flexibility and Outstanding Customer Service – Life Insurance (2025).

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.

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Life Protect Insurance

Provides financial support if you're diagnosed with a terminal illness^ or pass away.

Learn more
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Income Protect Insurance

Pays you a monthly benefit for up to 12 months+ if you can’t work due to illness or injury.

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Critical Illness Cover

Helps ease the financial strain of serious illness so you can focus on recovery.

Learn more
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Personal Accident Insurance

Helps with the unexpected costs of recovery from injuries caused by an accident.

Learn more

NEED MORE INFORMATION ABOUT CASH BACK COVER?

Answers to commonly asked questions to help you make the right choice.

While our healthcare system has most accidents covered, sometimes the costs don’t stop when you leave hospital. That’s where Cash Back Cover comes in. 

Cash Back Cover gives you cash to use any way you need, like extra rehab, taxis to the doctor, babysitters or to help if you need time off work. Think of it as an extra layer of financial protection – helping fill the gaps not covered by health insurance, particularly if you need financial help after surgery.

Cash Back Cover is available to permanent Australian residents aged 16 to 60 with the policy expiring at 65. You can protect everyone on your HCF health cover with the Cash Back Family Cover option.

Cash Back Cover pays $5,000 for accidents requiring surgery, or for specified serious illnesses including certain cancers, heart attack and stroke*. You can claim multiple times on your Cash Back Cover policy, up to a total of $20,000 for singles and $40,000 for family policies*.

Your Cash Back Cover premium is based on the level of cover you choose (Single or Family). It doesn’t increase with age. For a family quote, call 1800 560 855 to speak with an HCF specialist.

From time to time, we may change the Cash Back Cover premium for all policyholders to allow us to cover rising claims costs and better support our members’ needs. You’ll be notified at least 30 days in advance if your premium is going to change. 

For full terms and conditions, read the Cash Back Cover PDS.

We’ll pay you a benefit if you experience the following (provided you have met the waiting periods and any other policy terms and conditions):

  • accident requiring surgery
  • cancer of specified severity
  • kidney failure
  • coronary artery bypass graft surgery
  • heart attack of specified severity
  • stroke
  • major organ transplant.

For full terms and conditions, read the Cash Back Cover PDS.

We won’t pay you a benefit in certain situations, for example, if your illness or injury:

  • is not one of the specified serious illnesses or does not meet the severity definition
  • is a specified serious illness which occurs within the 12-month waiting period (see below)
  • is covered by workers’ compensation
  • occurred while you were overseas
  • occurs as a result of racing, professional sport, military service or aviation (other than as a fare-paying passenger)
  • is a result of an accident that does not require surgery in an operating theatre within 6 months of the accident
  • is a result of an illegal act, intentional self-injury or drug and alcohol abuse.

For full terms and conditions, read the Cash Back Cover PDS.

Cash Back Cover has a 12-month waiting period (from the Cover Commencement Date) for the following:

  • cancer of specified severity
  • kidney failure
  • coronary artery bypass graft surgery
  • heart attack of specified severity
  • stroke
  • major organ transplant.

This means that if you're diagnosed with, or suffer from, one of the above illnesses or impairments within the first 12 months of the Cover Commencement Date, you won't be covered.

For full terms and conditions, read the Cash Back Cover PDS. 

To make a Cash Back Cover 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. Most claims are paid in less than 10 days (once we get the information we need).

While our healthcare system has most accidents covered, sometimes the costs don’t stop when you leave hospital. That’s where Cash Back Cover comes in. 

Cash Back Cover gives you cash to use any way you need, like extra rehab, taxis to the doctor, babysitters or to help if you need time off work. Think of it as an extra layer of financial protection – helping fill the gaps not covered by health insurance, particularly if you need financial help after surgery.

Cash Back Cover is available to permanent Australian residents aged 16 to 60 with the policy expiring at 65. You can protect everyone on your HCF health cover with the Cash Back Family Cover option.

Cash Back Cover pays $5,000 for accidents requiring surgery, or for specified serious illnesses including certain cancers, heart attack and stroke*. You can claim multiple times on your Cash Back Cover policy, up to a total of $20,000 for singles and $40,000 for family policies*.

Your Cash Back Cover premium is based on the level of cover you choose (Single or Family). It doesn’t increase with age. For a family quote, call 1800 560 855 to speak with an HCF specialist.

From time to time, we may change the Cash Back Cover premium for all policyholders to allow us to cover rising claims costs and better support our members’ needs. You’ll be notified at least 30 days in advance if your premium is going to change. 

For full terms and conditions, read the Cash Back Cover PDS.

We’ll pay you a benefit if you experience the following (provided you have met the waiting periods and any other policy terms and conditions):

  • accident requiring surgery
  • cancer of specified severity
  • kidney failure
  • coronary artery bypass graft surgery
  • heart attack of specified severity
  • stroke
  • major organ transplant.

For full terms and conditions, read the Cash Back Cover PDS.

We won’t pay you a benefit in certain situations, for example, if your illness or injury:

  • is not one of the specified serious illnesses or does not meet the severity definition
  • is a specified serious illness which occurs within the 12-month waiting period (see below)
  • is covered by workers’ compensation
  • occurred while you were overseas
  • occurs as a result of racing, professional sport, military service or aviation (other than as a fare-paying passenger)
  • is a result of an accident that does not require surgery in an operating theatre within 6 months of the accident
  • is a result of an illegal act, intentional self-injury or drug and alcohol abuse.

For full terms and conditions, read the Cash Back Cover PDS.

Cash Back Cover has a 12-month waiting period (from the Cover Commencement Date) for the following:

  • cancer of specified severity
  • kidney failure
  • coronary artery bypass graft surgery
  • heart attack of specified severity
  • stroke
  • major organ transplant.

This means that if you're diagnosed with, or suffer from, one of the above illnesses or impairments within the first 12 months of the Cover Commencement Date, you won't be covered.

For full terms and conditions, read the Cash Back Cover PDS. 

To make a Cash Back Cover 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. Most claims are paid in less than 10 days (once we get the information we need).

Have another question? Head over to our Recover Cover FAQs to find more answers.

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Get going, keep going with the HCF Healthful app

Our HCF Healthful app has been awarded the 2025 Financial Standard’s Industry Service Award for Health and Wellness – Individual Life. The award highlights the additional value our Life and Recover Cover members can now receive with their cover.

The HCF Healthful app makes managing your health feel doable, no matter where or when your journey begins. Access a personalised Health Score, live tracking of your health and wellbeing, a 24/7 digital coach and more#.

Download HCF Healthful

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.

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Call us

Have a question? Call our friendly team of Recover Cover specialists on 1800 560 855, Monday to Friday, 8am to 8pm (AEST/AEDT) and Saturday, 9am to 1pm (AEST/AEDT).

Call the team today
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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).

Find out more

Important Information

* Subject to conditions, exclusions and limitations. Please refer to the PDS and the Policy Document for further information.

# Eligibility criteria apply. For more information see hcf.com.au/healthful

^ Less than 24 months’ life expectancy. Subject to conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.

+ Payment is subject to offsets including any amounts payable from your employer or superannuation fund, is limited to 12 months and a maximum benefit of 70% of average monthly income (up to $10,000 per month) and is subject to other conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further 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 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.

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