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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
- Compare 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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COMPARE LIFE INSURANCE AT HCF
Looking to compare life insurance? We’ll help you find the right life insurance and Recover Cover product for peace of mind when you need it most.
COMPARE LIFE INSURANCE AND RECOVER COVER
Compare our life insurance and Recover Cover products to find cover that works for you and your family.
Life Protect Insurance
Cover up to $1.5m*
Provides financial support if you're diagnosed with a terminal illness^ or pass away.
Pays up to:
- $1.5 million* in the event of death or terminal illness^
- $15,000 advance payment+ from your insured benefit.
Ages 18 to 65
Income Protect Insurance
From $2.65# per week
Pays a monthly benefit for up to 12 months** if you can’t work due to illness or injury.
Ages 18 to 60
Critical Illness Cover
From $2.30^^ per week
Helps ease the financial strain of serious illness so you can focus on recovery.
Pays up to:
- $25,000 to $50,000 for specified conditions, depending on cover level++.
Ages 18 to 54
Personal Accident Insurance
From $3.20 per week
Helps with the unexpected costs of recovery from specified injuries caused by an accident.
Pays up to:
- $7,500 or $15,000 for specified injuries, depending on cover level++
- $25,000 or $50,000 for accidental death, depending on cover level**.
Ages 55 to 74
Kids’ Accident Cover
$1.25 per week
Pays cash to help your kids recover from a range of injuries caused by an accident.
Pays up to:
- $3,000 for broken bones++
- $1,750 for severe burns++
- $5,000 for internal injuries++
- $100,000 for certain permanent disabilities++.
Ages 16 and under
Cash Back Cover
From $3.00 per week
Pays cash to help with the costs of recovery like extra rehab, taxis or help around the house.
Pays up to:
- $5,000 for accidents requiring surgery++
- $5,000 for specific serious illnesses++.
Ages 16 to 60
Life Protect Insurance
Cover up to $1.5m*
Provides financial support if you're diagnosed with a terminal illness^ or pass away.
Pays up to:
- $1.5 million* in the event of death or terminal illness^
- $15,000 advance payment+ from your insured benefit.
Ages 18 to 65
Income Protect Insurance
From $2.65# per week
Pays a monthly benefit for up to 12 months** if you can’t work due to illness or injury.
Ages 18 to 60
Critical Illness Cover
From $2.30^^ per week
Helps ease the financial strain of serious illness so you can focus on recovery.
Pays up to:
- $25,000 to $50,000 for specified conditions, depending on cover level++.
Ages 18 to 54
Cash Back Cover
From $3.00 per week
Pays cash to help with the costs of recovery like extra rehab, taxis or help around the house.
Pays up to:
- $5,000 for accidents requiring surgery++
- $5,000 for specific serious illnesses++.
Ages 16 to 60
Personal Accident Insurance
From $3.20 per week
Helps with the unexpected costs of recovery from specified injuries caused by an accident.
Pays up to:
- $7,500 or $15,000 for specified injuries, depending on cover level++
- $25,000 or $50,000 for accidental death, depending on cover level**.
Ages 55 to 74
Kids’ Accident Cover
$1.25 per week
Pays cash to help your kids recover from a range of injuries caused by an accident.
Pays up to:
- $3,000 for broken bones++
- $1,750 for severe burns++
- $5,000 for internal injuries++
- $100,000 for certain permanent disabilities++.
Ages 16 and under
Cash Back Cover
From $3.00 per week
Pays cash to help with the costs of recovery like extra rehab, taxis or help around the house.
Pays up to:
- $5,000 for accidents requiring surgery++
- $5,000 for specific serious illnesses++.
Ages 16 to 60
Life Protect Insurance
Cover up to $1.5m*
Provides financial support if you're diagnosed with a terminal illness^ or pass away.
Pays up to:
- $1.5 million* in the event of death or terminal illness^
- $15,000 advance payment+ from your insured benefit.
Ages 18 to 65
Income Protect Insurance
From $2.65# per week
Pays a monthly benefit for up to 12 months** if you can’t work due to illness or injury.
Ages 18 to 60
Critical Illness Cover
From $2.30^^ per week
Helps ease the financial strain of serious illness so you can focus on recovery.
Pays up to:
- $25,000 to $50,000 for specified conditions, depending on cover level++.
Ages 18 to 54
Personal Accident Insurance
From $3.20 per week
Helps with the unexpected costs of recovery from specified injuries caused by an accident.
Pays up to:
- $7,500 or $15,000 for specified injuries, depending on cover level++
- $25,000 or $50,000 for accidental death, depending on cover level**.
Ages 55 to 74
Kids’ Accident Cover
$1.25 per week
Pays cash to help your kids recover from a range of injuries caused by an accident.
Pays up to:
- $3,000 for broken bones++
- $1,750 for severe burns++
- $5,000 for internal injuries++
- $100,000 for certain permanent disabilities++.
Ages 16 and under
Cash Back Cover
From $3.00 per week
Pays cash to help with the costs of recovery like extra rehab, taxis or help around the house.
Pays up to:
- $5,000 for accidents requiring surgery++
- $5,000 for specific serious illnesses++.
Ages 16 to 60
Life Protect Insurance
Cover up to $1.5m*
Provides financial support if you're diagnosed with a terminal illness^ or pass away.
Pays up to:
- $1.5 million* in the event of death or terminal illness^
- $15,000 advance payment+ from your insured benefit.
Ages 18 to 65
Income Protect Insurance
From $2.65# per week
Pays a monthly benefit for up to 12 months** if you can’t work due to illness or injury.
Ages 18 to 60
Critical Illness Cover
From $2.30^^ per week
Helps ease the financial strain of serious illness so you can focus on recovery.
Pays up to:
- $25,000 to $50,000 for specified conditions, depending on cover level++.
Ages 18 to 54
Cash Back Cover
From $3.00 per week
Pays cash to help with the costs of recovery like extra rehab, taxis or help around the house.
Pays up to:
- $5,000 for accidents requiring surgery++
- $5,000 for specific serious illnesses++.
Ages 16 to 60
Personal Accident Insurance
From $3.20 per week
Helps with the unexpected costs of recovery from specified injuries caused by an accident.
Pays up to:
- $7,500 or $15,000 for specified injuries, depending on cover level++
- $25,000 or $50,000 for accidental death, depending on cover level**.
Ages 55 to 74
Kids’ Accident Cover
$1.25 per week
Pays cash to help your kids recover from a range of injuries caused by an accident.
Pays up to:
- $3,000 for broken bones++
- $1,750 for severe burns++
- $5,000 for internal injuries++
- $100,000 for certain permanent disabilities++.
Ages 16 and under
Cash Back Cover
From $3.00 per week
Pays cash to help with the costs of recovery like extra rehab, taxis or help around the house.
Pays up to:
- $5,000 for accidents requiring surgery++
- $5,000 for specific serious illnesses++.
Ages 16 to 60
AWARD-WINNING LIFE INSURANCE
We're proud to be a leading choice for Australians seeking trusted, quality coverage. Explore our range of award-winning HCF Life and Recover Cover insurance products today.
What to look for when comparing life insurance
Find out exactly what you’re covered for, and how much you’ll be paid if you need to make a claim. Check to see if there’s any age restrictions on taking out cover, and when the policy expires.
Exclusions are anything your policy won’t cover you for, like certain injuries, illnesses, activities, occupations or pre-existing conditions. You may also need to serve a waiting period before you can claim.
Your premium, or the amount you pay for your cover, can vary depending on your level of cover, age and other factors, or be a fixed price for all members. Some insurers, like HCF Life, may offer a discount if you pay half yearly or annually.
Check to see if the policy offers any additional features or benefits, like access to support services, potential add-ons for extra protection, or the ability to make changes without another health and lifestyle assessment.
WHY COMPARE LIFE INSURANCE AT HCF?
At HCF, we take care of more than just health insurance so you and your family can be protected during life’s toughest moments.
Unique products
Our unique product range helps fill the gaps not covered by health insurance, giving you an extra layer of protection.
Trusted by Aussies
Recognised at the 2024 Finder Customer Satisfaction Awards as Most Trusted Brand in Direct Life Insurance.
We put our members first
As part of Australia’s largest not-for-profit health fund, we put people before profit, every time.
HCF members save
Eligible HCF members can save with a 10% discount## on Life Protect premiums.
LIZ'S STORY
Liz's Critical Illness Cover was able to help with the costs of recovery after she received a shock diagnosis of a rare form of cancer.
COMPARING LIFE INSURANCE IN AUSTRALIA?
Answers to commonly asked questions to help you make the right choice.
The best life insurance is the product that suits your individual needs and budget. Start by researching the different types of cover available, and any eligibility restrictions such as age limits. Then look at what the policy covers, and what’s excluded, to see if it suits your needs and circumstances. Some insurance products come with additional features and services, so take these into consideration too.
You can check the government’s Moneysmart calculator to work out the level of cover you might need.
When comparing life insurance products, think about the type of cover you’re after (e.g. life insurance, income protection insurance, critical illness or accident cover), what you’d like to be covered for, and the amount of coverage you need. For example, would you like to cover some medical costs, maintain your lifestyle, or pay off your mortgage and other debts?
Then consider things like the cost of the premiums and if they increase with age, how easy or complicated it is to apply and make a claim, and any additional features or services the insurer offers that might be important to you.
Any change in your circumstances, such as experiencing a major life event, can affect the type of life insurance policy and how much coverage you might need. Life events which might require you to reassess your needs and compare life insurance quotes include buying a home, getting married, starting or growing a family, ending a relationship or starting a new job.
You may also want to research life insurance options if accident or illness affects someone close to you and you’d like peace of mind you’ll have access to financial support when you need it.
If you’re unsure about what life insurance options are available and which one is best for you and your family, speaking to a qualified financial planner is a good place to start. They’ll assess your personal circumstances, coverage needs and budget and make product recommendations.
You can also compare life insurance products on the insurer’s website, on third-party comparison websites, by reading the relevant Product Disclosure Statement (PDS), or by contacting the insurer if you have specific questions.
Our unique HCF Life and Recover Cover range includes products ranging from life and income protection insurance to critical illness and accident cover. With a variety of different cover options available depending on your needs and eligibility, we make it easy to compare life insurance policies.
You can get an initial quote in under 3 minutes and buy your cover online, or, if you’d like to speak to a life insurance consultant on the phone, give us a call on 1800 560 855. You can also visit your nearest HCF branch for more information.
The best life insurance is the product that suits your individual needs and budget. Start by researching the different types of cover available, and any eligibility restrictions such as age limits. Then look at what the policy covers, and what’s excluded, to see if it suits your needs and circumstances. Some insurance products come with additional features and services, so take these into consideration too.
You can check the government’s Moneysmart calculator to work out the level of cover you might need.
When comparing life insurance products, think about the type of cover you’re after (e.g. life insurance, income protection insurance, critical illness or accident cover), what you’d like to be covered for, and the amount of coverage you need. For example, would you like to cover some medical costs, maintain your lifestyle, or pay off your mortgage and other debts?
Then consider things like the cost of the premiums and if they increase with age, how easy or complicated it is to apply and make a claim, and any additional features or services the insurer offers that might be important to you.
Any change in your circumstances, such as experiencing a major life event, can affect the type of life insurance policy and how much coverage you might need. Life events which might require you to reassess your needs and compare life insurance quotes include buying a home, getting married, starting or growing a family, ending a relationship or starting a new job.
You may also want to research life insurance options if accident or illness affects someone close to you and you’d like peace of mind you’ll have access to financial support when you need it.
If you’re unsure about what life insurance options are available and which one is best for you and your family, speaking to a qualified financial planner is a good place to start. They’ll assess your personal circumstances, coverage needs and budget and make product recommendations.
You can also compare life insurance products on the insurer’s website, on third-party comparison websites, by reading the relevant Product Disclosure Statement (PDS), or by contacting the insurer if you have specific questions.
Our unique HCF Life and Recover Cover range includes products ranging from life and income protection insurance to critical illness and accident cover. With a variety of different cover options available depending on your needs and eligibility, we make it easy to compare life insurance policies.
You can get an initial quote in under 3 minutes and buy your cover online, or, if you’d like to speak to a life insurance consultant on the phone, give us a call on 1800 560 855. You can also visit your nearest HCF branch for more information.
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/AEDT) and Saturday, 9am to 1pm (AEST/AEDT).
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 Life Protect and 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.
* This is the maximum benefit amount for HCF Life Protect, which depends on your age and level of cover purchased.
^ 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.
# For a male aged 29-34 who is a non-smoker accountant with a normal BMI on a $1,500 monthly benefit.
** 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 $10,000 per month and is subject to other conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.
^^ Cover starts from $2.30 per week for singles aged 18 to 34 on $25,000 cover level and $4.60 per week for singles aged 18 to 34 on $50,000 cover level. Subject to conditions, exclusions and limitations. 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.
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