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GET 6 WEEKS FREE WITH KIDS’ ACCIDENT COVER

Save on Kids' Accident Cover with 6 weeks free when you purchase by 1 December 2025##.

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WHY CHOOSE HCF KIDS’ ACCIDENT COVER?

HCF Kids’ Accident Cover pays you cash to use any way you choose to help cover costs like extra therapies or help around the house if you need it.

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Covers a range of injuries

Claim for severe burns and specified fractures, through to certain permanent disabilities*.

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Flexible cash payment

Take charge of your child’s recovery – how you use your cash is up to you.

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Made to suit all budgets

Cover is designed to be affordable at $1.25 per child per week (aged under 17).

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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 KIDS’ ACCIDENT COVER?

If your child is active and you’re worried about accidents, Kids’ Accident Cover can help take care of the unexpected costs of recovery.

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Supports recovery

Get extra financial support for recovery, especially if your child is active or plays sport*.

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A helping hand

Get help around the house like meals or cleaning while you look after your child. 

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Peace of mind

Get up to $100,000 if your child experiences a specified permanent disability from an accident*.

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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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DESIGNED FOR MEMBERS. AWARDED BY THE INDUSTRY.

The badge for the Direct Life Insurance Accident Injury award.

HCF Personal Accident Insurance won the Accident Injury award for 2019 to 2023.

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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.

Learn more
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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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Cash Back Cover

Pays cash to help with the costs of recovery like extra rehab, taxis or help around the house.

Learn more

NEED MORE INFORMATION ABOUT KIDS’ ACCIDENT COVER?

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

Kids’ accident cover is designed to help with any extra costs that come with common injuries your child might sustain in an accident. It pays cash straight to you to cover things like splints, extra treatments or therapies, or even help around the house while they recover.

Accidents can be a part of growing up – especially if your children are active or play sport. But recovery from injuries can bring some unexpected costs that may not be covered by traditional health insurance. 

Kids’ accident cover, a type of life insurance for children, can help pay for some of these costs – like splints, extra treatments or therapies, or visits to the doctor. It can give you peace of mind that you have financial support that you can use how you like if your child is injured in an accident.

Kids’ Accident Cover pays a benefit for specified injuries caused by an accident within Australia:

  • $200 for wounds of specific severity
  • $1,750 for severe burns 
  • up to $3,000 for specified broken or fractured bones
  • $5,000 for specific internal injuries
  • up to $100,000 for certain permanent disabilities*.

Kids’ Accident Cover is only available to Australian permanent residents with a child aged under 17, with cover expiring when your child turns 22.

For full terms and conditions, read the Kids’ Accident Cover PDS.

Kids’ Accident Cover won’t pay you a benefit in certain situations, for example, if your child’s injury:

  • occurred while they were overseas
  • occurred as a result of racing or professional sport
  • is a result of an illegal act or intentional self-injury
  • results in death within 7 days of the accident or removal of life support.

For full terms and conditions, read the Kids’ Accident Cover PDS.

Kids’ Accident Cover is designed to be affordable, costing just $1.25 per child per week (for children aged under 17).

To make a Kids’ Accident 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. 

Kids’ accident cover is designed to help with any extra costs that come with common injuries your child might sustain in an accident. It pays cash straight to you to cover things like splints, extra treatments or therapies, or even help around the house while they recover.

Accidents can be a part of growing up – especially if your children are active or play sport. But recovery from injuries can bring some unexpected costs that may not be covered by traditional health insurance. 

Kids’ accident cover, a type of life insurance for children, can help pay for some of these costs – like splints, extra treatments or therapies, or visits to the doctor. It can give you peace of mind that you have financial support that you can use how you like if your child is injured in an accident.

Kids’ Accident Cover pays a benefit for specified injuries caused by an accident within Australia:

  • $200 for wounds of specific severity
  • $1,750 for severe burns 
  • up to $3,000 for specified broken or fractured bones
  • $5,000 for specific internal injuries
  • up to $100,000 for certain permanent disabilities*.

Kids’ Accident Cover is only available to Australian permanent residents with a child aged under 17, with cover expiring when your child turns 22.

For full terms and conditions, read the Kids’ Accident Cover PDS.

Kids’ Accident Cover won’t pay you a benefit in certain situations, for example, if your child’s injury:

  • occurred while they were overseas
  • occurred as a result of racing or professional sport
  • is a result of an illegal act or intentional self-injury
  • results in death within 7 days of the accident or removal of life support.

For full terms and conditions, read the Kids’ Accident Cover PDS.

Kids’ Accident Cover is designed to be affordable, costing just $1.25 per child per week (for children aged under 17).

To make a Kids’ Accident 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. 

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

Improve and manage your health and wellbeing with access to a personalised Health Score, 24/7 digital coach and more# with the HCF Healthful app.

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

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

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

^ 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 Life will provide six weeks free cover to eligible members in accordance with these terms. To be eligible to receive the six weeks free cover offer (Offer), you must purchase an HCF Life Protect or Recover Cover policy between 00:00 AEST on Tuesday 23 September 2025 and 23:59 AEDT on Monday 1 December 2025 (Offer period). Once you pay your first 90 days’ premium, you will be entitled to have the date your policy is paid to extended by six weeks. HCF may take up to six weeks to process the extension. HCF may amend and/or end this Offer at any time without notice (though will apply it to purchases made before it is amended or ends).

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