Cash BackCover

Cash to help you cover the unexpected costs of recovery like extra rehab and taxis to and from the doctor.

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.

Get a quote Call 1800 560 855

for a family quote

Call 1800 560 855 to speak with an HCF specialist.


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.

Get a quote Call 1800 560 855


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 needing surgery+, or for serious illnesses including specified cancers, heart attacks and strokes.
  • 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.

Get a quote Call 1800 560 855


Does Cash Back Cover have waiting periods?
Cash Back does not have any waiting periods. However, you aren't able to claim on any pre-existing conditions or serious illnesses that arise within the first 2 months of cover.
Am I covered if the accident happens overseas?
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.

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.

Read FAQs

More of our products


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.


Get a lump sum if you’re diagnosed with a terminal illness+ or when you pass away, so your family can worry less about money and focus on dealing with their loss. For ages 18 to 54.


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 16 to 60.



*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, 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 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.

# Get your cash payment when your claim is approved.

^ For Cash Back policies issued prior to 15 February 2015 the benefit payable is $2,500.

+ Subject to exclusions and limitations. Please refer to the PDS and the Policy Document for further information.


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.