Kids' Accident Cover

Easy insurance for children under 17

Cover from
0.90 *

*Cover for one child

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

    Mia

    "Mia is your typical 8 year old, full of life and energy"...

    Mia is your typical 8 year old, full of life and energy. One weekend, Mia and her friends were playing on the new trampoline her parents bought her for Christmas when Mia landed awkwardly after a big jump, hitting the ground and breaking her arm.

    Mia's parents had purchased an HCF Life Kids' Accident Cover and were paid a cash benefit of $250. They could use the money any way they wanted, including paying for the cost of a cast (for example, choosing a favourite colour or a waterproof cast), doctor’s fees or even a day out to cheer up Mia.

    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

 
What is the maximum payment under Kids Accident Cover?

$100,000 is the maximum payable for Kids Accident Cover.

Is racing covered and what is your definition of racing?

Racing is not covered under Kids' Accident Cover. Racing is defined as 'any speed contest involving the use of a powered vehicle or device or any form of organised speed contest'.

What happens to the policy when my child turns 17?

The policy ends on your child's 17th birthday but call 13 13 34 and for information on replacement policies.

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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Cover from
2.00 per Week *

*Based on single cover

Cash Back Cover

Pays $5,000 for accidents requiring surgery, or for a number of serious illnesses.

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Critical Illness Cover

Pays up to $50,000 for serious specified illnesses such as heart attack, cancer or stroke.

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Cover from
2.30 per Week *

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

Cover from
1.65 per Week *

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

Income Assist Insurance

Pays up to 75% of your income for up to 12 months if you are unable to work due to illness or injury for 30 days or more.

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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.