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Compare & Switch
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Compare & Switch
Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.
- Compare health insurance
- Switch health insurance to HCF
- Get a quote
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Health
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Health
Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.
- Why health insurance
- Find health insurance cover
- Corporate health search
- Find a provider
- Health programs
- Get a quote Find out more
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Overseas Visitors
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Overseas Visitors Health Insurance (OVHC)
Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).
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Life
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HCF Life and Recover Cover
Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.
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Travel
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Travel
Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.
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Pet, Home & Car
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Pet, Home & Car
From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.
- Pet
- Home & Contents
- Landlord
- Car
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Flip
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Flip
Flip is the flexible, great value accident cover made for active lifestyles. Whether you’re chasing waves or at the gym, get cover when you need it.
- Flip insurance
- Get cover now
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About HCF
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About HCF
Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.
- Member care
- Loyalty program
- Get help
- Our partners
- Research Foundation
- Sustainability
- Our benefits
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Cash back cover when you need it most
We’re lucky in Australia – our healthcare system has most accidents covered. But sometimes the costs don’t stop when you leave hospital.
Our Cash Back Cover* from our Recover Cover range of recovery and life insurance products gives you cash to help with the costs of recovery you weren’t expecting like taxis to the doctor, extra rehab, hospital parking, babysitters or help if you need time off work.
for a family quote
Call 1800 560 855 to speak with an HCF specialist.
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.
CASH TO RECOVER
Cash Back Cover is designed by HCF as part of our unique range of flexible life cover options designed to help with the unexpected costs that come with recovery.
Who’s eligible for Cash Back Cover?
Permanent Australian residents aged 16 to 60 with the policy expiring at 65. Protect everyone on your HCF health insurance with the Cash Back Family Cover option.
What does this cover pay for?
- Pays $5,000 for accidents requiring surgery, or for specified serious illnesses including certain cancers, heart attack and stroke^.
- Make multiple claims up to $20,000 for singles and $40,000 for families^.
What makes our Cash Back Cover uncommon?
Our Cash Back Cover is:
- affordable: cover starts from $3 per week for singles and $6 per week for families
- fast: most claims are paid in less than 5 days (once we get the information we need)
- easy: no complex medical checks when you take out cover
- flexible: cash payments give you flexibility to recover your way.
CASH TO RECOVER
Does Cash Back Cover have waiting periods?
Yes. Cash Back Cover has a 12 month waiting period from the Cover Commencement Date where no benefit is payable (either during the 12 month period or after) if:
Yes. Cash Back Cover has a 12 month waiting period from the Cover Commencement Date where no benefit is payable (either during the 12 month period or after) if:
- the Insured Person suffers an Impairment which is Cancer of Specified Severity, Kidney Failure, Coronary Artery Bypass Graft Surgery, Heart Attack of Specified Severity, Stroke, or Major Organ Transplant; and
- such Impairment (including diagnosis of such Impairment) occurs within the first 12 months of the Cover Commencement Date.
Am I covered if the accident happens overseas?
No, Cash Back Cover only covers accidents in Australia.
No, Cash Back Cover only covers accidents in Australia.
Can I claim more than once on a Cash Back Cover policy?
Yes, you can claim multiple times on your Cash Back Cover policy, up to a total of $20,000 for singles and $40,000 for family policies.
Yes, you can claim multiple times on your Cash Back Cover policy, up to a total of $20,000 for singles and $40,000 for family policies.
How do premiums work for Cashback Cover?
Your Cash Back Cover premium is based on the level of cover you choose (Single or Family). It doesn’t increase with age.
From time to time, we may change the Cashback Cover premium for all policyholders to allow us to cover rising claims costs and better support our members’ needs. You’ll be notified at least 30 days in advance if your premium will change.
For more information, please call us on 13 13 34.
Have another question? Head over to our Recover Cover FAQs to find answers on topics like eligibility, quotes and waiting periods.
More of our products
INCOME PROTECT INSURANCE
Stay on top of bills and mortgage repayments if you're unable to work with cover that can help keep you afloat when recovering from illness or an injury. For those aged 18 to 60.
LIFE PROTECT INSURANCE
Be confident your loved ones will be financially supported if you pass away or are diagnosed with a terminal illness**.
CRITICAL ILLNESS COVER
Deal with the unpredictable financial impact of serious illness with a fast cash payment# so you can concentrate on your health and recovery instead of bills. For those aged 18 to 54.
IMPORTANT INFORMATION
* Terms and conditions apply. Please read the Cash Back Cover Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at hcf.com.au/lifeinfo. Cash Back Cover is issued by our own HCF life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF). The premiums for Cash Back Cover 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.
^ Subject to exclusions, limitations and definitions - please refer to the PDS and the Policy Document for further information.
** Less than 24 months life expectancy. Subject to terms and conditions, exclusions, limitations and definitions. Please refer to the PDS and Policy Document for further information.
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