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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
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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
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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 TO GET YOU BACK ON YOUR FEET
We get it, accidents happen. We also understand the path to recovery is dotted with unexpected costs – transport, meals, cleaners, shopping and visits to the doctor.
Personal Accident Insurance~ from our Recover Cover range of recovery and life insurance products gives you flexible financial help to support you with your recovery.
"I got a lovely surprise as a cash payment went straight into my bank account in a week or so, it was wonderful. [Personal Accident Insurance] helped with my bills and HCF were just excellent. I feel so blessed that I am with HCF. I feel like HCF really showed me a level of care that you don’t get everywhere.”
Anne, Recover Cover member, Personal Accident Insurance
CASH FOR RECOVERY
CASH TO GET YOU BACK ON YOUR FEET
Personal Accident Insurance is designed by HCF as part of our unique range of flexible life insurance options designed to help with the unexpected costs that come with recovery.
Who can apply?
People aged 55 to 74 who are permanent residents of Australia, with cover expiring at 85.
What does it pay for?
Available in 2 levels of personal accident cover:
- $25,000 cover level pays from $250 to $7,500 for particular injuries, including certain fractures and burns, if you have an accident in Australia, and $25,000 for accidental death*.
- $50,000 cover level pays from $500 to $15,000 for particular injuries, including certain fractures and burns, if you have an accident in Australia, and $50,000 for accidental death*.
What makes our Personal Accident Insurance uncommon?
Our Personal Accident Insurance is:
- affordable: $3.20 per week for the $25,000 cover level, and $6.35 per week for the $50,000 cover level
- 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.
AWARD-WINNING PERSONAL ACCIDENT INSURANCE
Our unique range of recovery and life insurance products has been recognised by the Plan for Life Excellence Awards – Direct Life Insurance for 6 years in a row. Our Personal Accident Insurance won the Accident Injury award for 2019 to 2023, just another way HCF provides Uncommon Care.
PERSONAL ACCIDENT FAQS
When does my cover begin?
Your cover starts the day after the cover commencement date.
Does the premium increase with age?
No, your premium does not increase with age.
Is there a maximum benefit for injuries caused by the same accident?
The maximum benefit paid for all injuries caused by the same accident is $7,500 on the $25,000 level of cover and $15,000 on the $50,000 level of cover.
How do premiums work for Personal Accident Insurance?
Your Personal Accident Insurance premium is based on the level of cover you choose ($25,000 or $50,000). It does not increase with age.
From time to time, we may change the Personal Accident Insurance 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
LIFE PROTECT INSURANCE
Be confident your loved ones will be financially supported if you pass away or are diagnosed with a terminal illness+.
CASH BACK COVER
With HCF Cash Back Cover you could get a $5,000 fast cash payment to help cover costs, like flying mum over to help you recover from an accident or illness. For those aged 16 to 60.
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 the bills. For those aged 18 to 54.
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.
* Subject to exclusions and limitations - 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.
++ 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 a HCF Life Recover Cover Policy between 8 October 2024 00:00 ADST and 9 December 2024 23:59 ADST (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.
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