HCF LIFE INSURANCERECOVERY TAKEN CARE OF

Having an accident or falling ill can be unexpected. What's even more unexpected, are the costs to recover the moment you leave the hospital. That's why we created our Recover Cover range of products – a unique range of flexible life insurance options designed to help with the unexpected costs that come with recovery.

Recover Cover, another way HCF provides Uncommon Care.

Call 1800 560 855

• Designed to help you look after your family if you’re no longer able to.
• We pay a lump sum benefit if you pass away or are diagnosed with a terminal illness^* to help cover the costs that come at this difficult time^{^}.
• Pays up to $1.5 million⁺.
• An advance payment of $15,000 which can help cover immediate bills like funeral costs and living expenses, while your death claim is being assessed^#.
• HCF members save 10% on yearly premiums^**.
• For ages 18 to 65 with cover expiring at age 99.

• Up to 70% of your average monthly income^{^^} (up to $7,500 per month for up to 12 months) if you can't work for more than 30 days because of an illness or injury⁺⁺.
• We'll help you keep the bills covered while you get back on your feet.
• For those aged 18 to 60. Expires at 65.

• Cash to help with the costs of recovery you weren't expecting – taxis to the doctor, extra rehab, hospital parking, babysitters or help if you need time off work.
• Get $5,000 for accidents requiring surgery or for a number of serious illnesses^##. Excludes pre-existing conditions.
• For those aged 16 to 60. Expires at 65.
• From $3 per week for single cover.

• A fast cash payment to help your child recover from a range of common injuries if they have an accident in Australia.
• Quick help with the costs of splints, treatments, therapies or just to keep the house running while your child gets better.
• Apply for children aged under 17 years old with cover expiring at 22.
• Only $1.25 a week, per child (for children under 17).

• When the unexpected happens, we understand the path to recovery is dotted with unexpected costs – transport, meals, cleaners, shopping and visits to the doctor.
• Costs taken care of with up to $50,000^{^^^} for specified injuries*, including certain fractures and burns, depending on your level of cover.
• Apply if you’re aged 55 to 74. Expires at 85.
• From $3.15 per week, based on single cover level of $25,000.

• A fast payment can ease the unexpected financial strain of serious illness – and you choose how you use it.
• Get up to $50,000, depending on your level of cover, for serious specified illnesses like heart attacks, cancers or strokes***. Excludes pre-existing conditions.
• For ages 18 to 54. Expires at 65.
• Cover from $2.30 per week per person based on $25,000 single cover for an 18 to 34 year old.

• We can help with up to $100,000^{^^^} if you require surgery after an accident, for specified burns or fractures or for a range of illnesses, including cancers and certain heart conditions⁺⁺⁺.
• From Ubers to acupuncture, or a little extra time off work, it’s taken care of.
• For ages 16 to 30. Expires at 65.
• Cover from $7 per week based on single cover.

"Critical Illness Cover can really assist financially when you are sick and need to recover"

– Liz, Recover Cover Critical Illness Cover Customer

"It’s not about the amount of money, it’s the fact that HCF took the time to read into my claim."

– Abby, Recover Cover Kids' Accident Cover Customer

"It provided another layer of insurance for my family."

– Vivian, Recover Cover Cash Back Cover Customer

Sub-limits and exclusions apply. Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 13 13 34 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. These covers 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, AFSL241 414 (HCF). The premiums for the life insurance 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.

^* 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.

^{^} 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.

^# Payment of the advance payment does not mean your claim for the death benefit is approved. The advance payment will be subtracted from the total Insured Benefit and the balance remaining will be payable on settlement of the death claim.

^** To be eligible HCF Members must have HCF hospital or extras cover. Excludes Ambulance Only and Overseas Visitors Health Cover.

^{^^} Payment is subject to offsets including any amounts payable from your employer or superannuation fund. Please read the PDS.

⁺⁺ Injury must be caused by an external violent event.

^## Surgery must be necessary as a result of the accident and within 6 months of the accident.

^*** No benefit will be paid for a Critical Illness if it occurs on or before the cover start date, or within 90 days of the cover starting.

^{^^^} Sub-limits apply. Please read the PDS and Policy Document for further information.

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

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.