Kids' AccidentCover

Cash to cover unexpected costs like splints, extra treatments and therapies


Bumps, scrapes, breaks and stitches are all part of growing up. As a parent, you’ll do everything you can to give them the best chance at recovery.

Kids’ Accident Cover~ from the Recover Cover range of recovery and life insurance products pays cash straight to you for many common injuries, to help cover financial stress and unexpected costs like splints, extra treatments and therapies, or even keeping the house running while they get better.

Get a quote Call 1800 560 855

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.
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Cash to recover

Kids' Accident Cover is 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 with a child aged under 17, with cover expiring when your child turns 22.

What does it pay for?
If your child suffers a specified injury as the direct result of an accident* you can claim:

  • up to $1,750 for specified burns
  • up to $3,000 for broken bones
  • up to $100,000 for permanent disabilities*.

What makes our Kids’ Accident Cover uncommon?
Kids’ Accident Cover is:

  • affordable: only $1.25 per child per week (for children aged under 17)
  • 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.


At what age does cover end?
Cover ends on your child's 22nd birthday. To discuss cover options for after your child turns 22, call us on 1800 560 855.

How can I cover all my kids?
You can cover all your children if they're under the age of 17 when you apply. Each child will need their own policy. A policy costs $1.25 a week, per child (for children aged under 17). If you have 2 children and you want them both covered, it'll cost you $2.50 a week.

How do premiums work for Kids’ Accident Cover?
Your Kids’ Accident Cover premium will not change until your child turns 17. After this, your premiums will increase to a new age band and will apply until your policy ceases when your child turns 22.

From time to time, we may also change the Kids’ Accident 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.

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

^ 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.

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.