Income Assist Insurance

The easy way to protect your income

Cover from
1.65 *

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

Get a quote

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.

  • Claim stories

    Bill

    "Bill is a young and active self-employed electrician"...

    Bill is a young and active self-employed electrician. As a self employed person, Bill didn't have the luxury of sick pay. One day, while riding his pushbike, he fell and dislocated his shoulder.

    The fall was quite nasty and Bill ended up needing a full shoulder reconstruction, which required four months off work. This left Bill in a difficult position since he was unable to work and had loans and other expenses to pay.

    This would have been a very stressful time had he not been covered by his Income Assist insurance policy. The policy covered 75 per cent of his income, which helped him pay for everyday expenses while he recovered.

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

    These stories reflect real-life situations and HCF Life claims. The names and some details have been changed to ensure anonymity.
  • Claim stories

    Huan

    "Huan has an active lifestyle, participating in weekend basketball competitions with his mates"...

    Huan has an active lifestyle, participating in weekend basketball competitions with his mates.

    While warming up for one of the biggest games of the year, Huan felt a strange sensation in his calf. Later, as he landed after shooting a three-point basket he felt his Achilles tendon tear, leaving him lying down on the court in agony.

    A scan showed Huan required surgery on his damaged Achilles tendon. Luckily, he had HCF Life Cash Back Cover, which provided him with cash to pay for expenses not covered by his health insurance, as well as contribute to his ongoing physiotherapy.

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

Frequently asked questions

 
Am I covered if I was made redundant?

No, unfortunately redundancy is not covered under Income Assist Insurance.

I have two jobs and work more than 21 hours on each job. Will I be covered for both jobs if I become sick and unable to work?

You can only be covered for one job. You will have to decide which of the two jobs you would like to be covered for.

Can I apply for Income Assist if I’m self-employed?

Yes you can as long as you have been self-employed for at least 12 months

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.