Personal Accident Insurance

Cover against accidents for over 55's

Cover from
3.15 *

*Based on single cover for $25,000 cover level

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

    Joan

    "Joan loves life and is a busy 65 year old"...

    Joan loves life and is a busy 65 year old. She was in a hurry the day she slipped and fell in the shower. Despite experiencing strong pain in her back, Joan continued on with her regular activities.

    A few days later, the pain had still not subsided and Joan went to see her doctor. X-rays revealed she had fractured vertebrae in her spine and required treatment.

    Joan had an HCF Life Personal Accident policy, which is specifically designed to cover accidents for those aged 55 years and over. Joan received a payment of $1,000 from her policy and was free to use this money for whatever she wanted, for example, to help pay for medical costs not covered by her health insurance or for help around the home until she completely recovered.

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

    Jim

    "As a farmer, Jim worked hard his whole life to provide for his family"...

    As a farmer, Jim worked hard his whole life to provide for his family. He loved working on the land and his active lifestyle kept him fit and healthy.

    Jim wasn’t feeling well, went to see his doctor and was diagnosed with pancreatic cancer. After his diagnosis, his health deteriorated rapidly and sadly he died a few months later.

    Fortunately, Jim had taken out a Smart Term insurance policy to protect his family should anything happen to him. His family received a payment of $100,000, which allowed them to cover the costs of his funeral and settle any debts that he left behind.

    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 Personal Accident Insurance?

Personal Accident Insurance pays up to $7,500 or $15,000 depending on your level of cover if you suffer one of the injuries listed in the table of benefits.

Who is eligible to apply for this policy?

Anyone who is a permanent resident of Australia and aged between 55 and 74.

When does my cover begin?

Your cover starts within 24 hours of the cover commencement date.

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!

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.