Critical IllnessCover

Helping you deal with the financial impact of serious illness.


There are some things in life we don’t want to think about, but it can pay to plan for the unexpected. When serious illness strikes, like a heart attack or cancer, it can impact more than just your health.

Critical Illness Cover~ from our Recover Cover range of recovery and life insurance products pays a fast cash benefit* to help you deal with the financial impact of serious illness.

Get a quote Call 1800 560 855

For a family quote

Call 1800 560 855 to speak with an HCF specialist.


Liz's Critical Illness Cover helped with the costs of her cancer recovery. She says her cover was a huge relief – financially, emotionally and physically too, and helped with her recovery overall.
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Critical Illness Cover 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?
Australian permanent residents aged 18 to54, with cover expiring at 65. You can protect everyone on your HCF health insurance policy with a family option.  

What does it pay?
The amount you can claim will depend on the illness and treatment. This cover is available in two levels:

  • $25,000 cover level pays out from $4,000­ to $25,000^ 
  • $50,000 cover level pays out from $8,000 to $50,000^.

What makes our Critical Illness Cover uncommon?  
Our Critical Illness cover is: 

  • affordable: cover starts from $2.30 per week for singles+, 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.  


Our unique range of recovery and life insurance products has been recognised by the Plan for Life Excellence Awards – Direct Life Insurance for 5 years in a row. Our Critical Illness Cover~ won the Trauma Standalone Award for 2021-2022, just another way HCF provides Uncommon Care.



Does Critical Illness Cover have any waiting periods?

No benefit can be claimed for any critical illness related to a pre-existing condition or one that occurs within 90 days of the policy’s commencement date.

Who's covered under my Family Critical Illness Cover and how much is the benefit amount for each person covered under the policy?

Family policies cover all the people listed on your HCF family health cover, provided they meet eligibility criteria of the policy. The maximum benefit amount of $25,000 or $50,000 is payable to each insured person.

What happens to our Family Critical Illness Cover when my partner or I turn 65?

All cover under Critical Illness ends when the primary insured person turns 65. Cover will end for other covered individuals if they turn 65 beforehand or are no longer Dependants.

How do premiums work for Critical Illness Cover?
Your Critical Illness Cover premium increases with your age in 5-year bands. The first increase occurs at age 20, and then continues every 5 years after that until your policy ceases at age 65.

From time to time, we may also change the Critical Illness 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 more FAQs



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.


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 18–60.


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.



Please read the relevant 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 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.

^ Subject to exclusions and limitations - please refer to the PDS and the Policy Document for further information.

+ Cover starts from $2.30 per week for singles aged 18 to 34 on $25,000 cover level and $4.60 per week for singles aged 18 to 34 on $50,000 cover level.

# 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.

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.