Critical Illness Cover

Protection should serious illness strike

Cover from
2.30 *

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

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 benefits and details

More details

Claims paid

Paying claims is our promise to you. Our team understands that claim time is a difficult time for our customers and that’s why we will work with you to make the process as simple and easy as possible.

Our experienced claims team will guide you through the process to ensure your claim is processed quickly and efficiently.

With thousands of claims paid every year, HCF Life stands by its customers when they need it most.

Frequently asked questions

What is Critical Illness Cover?

Critical Illness Cover pays cash up to $25,000 or $50,000, depending on your level of cover, should you suffer from any one of the critical illnesses specified in the Benefits table.

What happens to our Family Critical Illness Cover when either myself or my partner turn 65?

Cover ceases on the 65th birthday of the insured person named on the Policy Schedule, although cover will cease for other family members if they reach the age of 65 prior to this date.

What is the waiting period for Cancer?

The waiting period is 90 days from the date the cover commences.

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!

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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.