As a parent, you’re not only responsible for your own wellbeing but your family’s as well. At HCF, we take care of more than just health insurance so you and your family can be protected when life doesn’t go your way.
We’re here for you with Recover Cover – a unique range of recovery and life insurance products to help with the costs that come with recovery.
Our products are:
- affordable: cover starts from just $1.25 a week (for children aged under 17) with no excess for Kids’ Accident Cover, so it’s made to fit all budgets
- 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.
Recover Cover is just another way HCF provides Uncommon Care.
COVER OPTIONS FOR Families
LIFE PROTECT INSURANCE
Receive a lump sum that can help financially support your loved ones if you pass away or are diagnosed with a terminal illness^. Cover up to $1.5m+. For those aged 18 to 65.
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 an illness or injury. For those aged 18–60.
CASH BACK COVER
Make the most of a cash payment to help cover costs like parking, taxis to doctors and babysitters when you’re recovering from an illness or injury. For those aged 16–60.
ABBY’S STORY
Surgery was the last thing Abby expected after her son, Archie's, bike accident. Having Kids' Accident Cover meant Abby could worry less about surgery costs and instead focus on Archie's recovery.
Learn more
AWARD-WINNING INCOME PROTECTION INSURANCE
Here at HCF, we take care of more than just health insurance. And we're proud to have been recognised for our commitment to delivering insurance products that help you with the unexpected costs that come with recovery.
- Money magazine’s Best of the Best 2024 award for Best-Value Direct Income Protection Insurance~
- WeMoney’s Best for Income Protection Insurance (Direct) award, 3 years running (2022 to 2024)
- WeMoney's Outstanding Customer Service (Income Protection) award for 2024
- WeMoney's Best for Value (Life Insurance) award 2024 finalist
- Mozo’s Experts Choice Award for Exceptional Value Income Protection, 3 years running (2022 to 2024).
RECOVER COVER FAQS
Do I need to have private health insurance with HCF to apply for Recover Cover?
For most of our products, you won’t need to have HCF private health insurance to apply for Recover Cover. But you’ll need a couple or family level of HCF private health insurance to take out a family level of Cash Back Cover or a family level of Critical Illness Cover.
Is there an age limit to taking out Recover Cover?
All Recover Cover products include age limitations, and these vary depending on the cover type. To compare our types of cover, visit our page Recover Cover Made For You, or call us on 1800 560 855 to go over your options.
Is there someone I can talk to about Recover Cover?
Yes, we have Recover Cover specialists on hand to help you find the right cover for your circumstances. Call us on 1800 560 855.
Have another question? Head over to our Recover Cover FAQs to find answers on topics like eligibility, quotes and waiting periods.
Important Information
Please read the relevant 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. Recover 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 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.
*Get your cash payment when your claim is approved.
^ 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.
+ This is the maximum benefit amount depending on your age and level of cover. Premiums will vary depending on age, gender, smoking status, level of cover, any applicable inflation increases and discounts and your health and lifestyle assessment.
~ Terms and conditions apply. Please read the relevant 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. Our Recover Cover products are 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 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.