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FIND LIFE INSURANCE AND RECOVER COVER FOR YOUR NEEDS

Our award-winning life insurance and Recover Cover products provide financial security and peace of mind for you and your family when you need it most.

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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.

FIND LIFE INSURANCE AND RECOVER COVER

Find life insurance that suits your needs and get financial support when life throws you a curveball.

Life Protect Insurance

Pays a lump sum benefit up to $1.5 million* if you're diagnosed with a terminal illness^ or pass away.

Ages 18 to 65 

Income Protect Insurance

Pays up to 70% of your average monthly income (up to $10,000 per month)+ if you’re unable to work due to illness or injury.

Ages 18 to 60

Critical Illness Cover

Pays up to $50,000# to help ease the financial strain of serious illness so you can focus on recovery.

Ages 18 to 54 

Personal Accident Insurance

Pays up to $50,000# to help you recover from injuries caused by an accident including certain fractures and burns.

Ages 55 to 74 

Kids’ Accident Cover

Pays cash to help your kids recover from injuries caused by an accident like some fractures, wounds, burns and permanent disabilities#.

Ages 16 and under

Cash Back Cover

Pays $5,000# to help with the cost of recovering from accidents requiring surgery or specified serious illnesses.

Ages 16 to 60

WHAT IS HCF RECOVER COVER?

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What is life insurance?

Life insurance provides financial support to you and your family if you're sick, injured or pass away. It gives peace of mind that you and your loved ones will be looked after financially during a tough time, especially if they’re dependent on you and your ability to bring in an income. Think of it as an extra layer of protection if things don’t go according to plan.

Mum playing with her children, a son and daughter.

What is HCF Recover Cover?

Having an accident or falling ill can be unexpected – just like the costs after you leave hospital. HCF Recover Cover is a range of life insurance products that is designed to help with these costs, like extra rehab, taxis, babysitters or just to cover your daily living expenses if you need time off work. You have the flexibility to use the cash however you want so you can recover at your own pace.

WHY CHOOSE HCF LIFE INSURANCE AND RECOVER COVER?

Get fast and flexible financial support with our unique life insurance and Recover Cover range.

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Made to suit all budgets

Cover starts from just $1.25 per week**, so it's made to suit all budgets.

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Fast claims processing

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

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No complex medical checks

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

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HCF members save 10%

Eligible HCF members get a 10% discount^^ on Life Protect premiums.

SUPPORT FOR VULNERABLE MEMBERS

At HCF Life, we understand that members may be experiencing vulnerability. Vulnerability can arise due to age, disability, injury, a mental health condition, a physical health condition, language or literacy barriers, cultural background, remote location, family violence, financial distress, the loss of a loved one, or other circumstances.

We’re committed to taking extra care to assist and support you with empathy, compassion and respect. We encourage you to speak with our team so we can identify and understand your needs, as well as those of your family, carer or support person.

For more information, see the Supporting customers experiencing vulnerability.

Domestic and family violence support

We believe all individuals have the right to be free from violence and feel safe and respected in their homes. We can provide help and guide you to support services if you are experiencing or at risk of domestic or family violence.

If you're in an emergency situation or not feeling safe, dial 000.

For more information, see the Domestic and family violence support guideline.

Protecting your privacy

If you tell us you’re vulnerable and/or experiencing domestic or family violence, we’ll protect your right to privacy and handle any information you provide in accordance with our privacy policy.

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Protecting Aussies for over 40 years

As the first health fund to establish our own life insurance business in 1980, we continue to be a leading choice for Australians seeking trusted, quality coverage.

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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.

Vivian

IMPORTANT INFORMATION ABOUT RECOVER COVER INSURANCE POLICIES 


We are communicating with our members to provide further information about the pre-existing condition (PEC) term, used in four of our Recover Cover insurance policies between 9 August 2019 and 8 November 2023, that was recently deemed liable to mislead the public by the Federal Court. To understand if you have been affected by the previous definition and may have otherwise made a claim, please read on.

Learn more

LOOKING FOR LIFE INSURANCE?

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

We're lucky in Australia – our healthcare system has most accidents and illnesses covered. But sometimes the costs don't stop when you leave hospital. That’s where Recover Cover comes in – it gives you quick cash to use however you need to, like paying for extra rehab, taxis to the doctor, babysitters or to help if you need time off work. Learn more about Recover Cover.

For some life insurance products, like Life Protect Insurance and Income Protect Insurance, your premiums are based on factors such as your age and gender, as well as health and lifestyle factors like whether you smoke or not. This information is used, along with the level of cover you’d like, to calculate your premium. The premiums for these insurance products generally increase over time, with increases typically getting larger as you get older.

Other Recover Cover products, like Personal Accident Insurance and Cash Back Cover, apply a flat premium to all policyholders based on the level of cover selected, and premiums do not increase with age. Kids’ Accident Insurance has the same premium for all policyholders from 0 to 16 years of age, with an increase applied for the next age band of 17 to 21. 

To apply for life insurance with HCF, you can either get a quote and apply online or give us a call on 1800 560 855 if you’d like to speak to a life insurance consultant on the phone. You can also apply at your nearest HCF branch. 

No, you don’t need to have health insurance with HCF to apply for any Recover Cover product. But you’ll need a couple or family HCF health cover policy to take out a family level of Cash Back Cover or a family level of Critical Illness Cover. You’ll also need to have HCF health cover to take advantage of the 10% member discount for Life Protect Insurance^^.

You won’t need to undergo any complex medical checks to take out a Recover Cover policy. For Life Protect Insurance, we’ll ask some basic health and lifestyle questions like your age, weight, whether you smoke and a range of questions about your medical history. For other products, like Personal Accident Insurance, there are just some simple eligibility questions to answer.

We're lucky in Australia – our healthcare system has most accidents and illnesses covered. But sometimes the costs don't stop when you leave hospital. That’s where Recover Cover comes in – it gives you quick cash to use however you need to, like paying for extra rehab, taxis to the doctor, babysitters or to help if you need time off work. Learn more about Recover Cover.

For some life insurance products, like Life Protect Insurance and Income Protect Insurance, your premiums are based on factors such as your age and gender, as well as health and lifestyle factors like whether you smoke or not. This information is used, along with the level of cover you’d like, to calculate your premium. The premiums for these insurance products generally increase over time, with increases typically getting larger as you get older.

Other Recover Cover products, like Personal Accident Insurance and Cash Back Cover, apply a flat premium to all policyholders based on the level of cover selected, and premiums do not increase with age. Kids’ Accident Insurance has the same premium for all policyholders from 0 to 16 years of age, with an increase applied for the next age band of 17 to 21. 

To apply for life insurance with HCF, you can either get a quote and apply online or give us a call on 1800 560 855 if you’d like to speak to a life insurance consultant on the phone. You can also apply at your nearest HCF branch. 

No, you don’t need to have health insurance with HCF to apply for any Recover Cover product. But you’ll need a couple or family HCF health cover policy to take out a family level of Cash Back Cover or a family level of Critical Illness Cover. You’ll also need to have HCF health cover to take advantage of the 10% member discount for Life Protect Insurance^^.

You won’t need to undergo any complex medical checks to take out a Recover Cover policy. For Life Protect Insurance, we’ll ask some basic health and lifestyle questions like your age, weight, whether you smoke and a range of questions about your medical history. For other products, like Personal Accident Insurance, there are just some simple eligibility questions to answer.

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 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.

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

** Based on Kids' Accident Cover for 1 child aged under 17.

^^ 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