Recover cover forPeople aged over 55

Life’s full of surprises and illness or injury can strike at any time. At HCF, we take care of more than just health insurance so you can be protected when life doesn’t go your way.

We’re here for you with Recover Cover~ – a unique range of recovery and life insurance products to help with the costs that come with recovery.

If you’re faced with illness or injury, Recover Cover can pay you cash to help you keep your lifestyle and finances on track. It’s:

  • affordable: cover 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.

Recover Cover is just another way HCF provides Uncommon Care.

Learn more Call 1800 560 855



Spend your cash payment how you want, in your way, to better support you in your recovery from accidents and cover costs like time off work or extra therapies and treatments. For those aged 55 to 74.


Make the most of a cash payment to help cover costs like hospital parking, taxis to doctors and extra rehab when you’re recovering from an illness or injury. For those aged 16 to 60.


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.


Anne's Story

"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.”
Personal Accident


We’re proud to be recognised by the Plan for Life Excellence Awards – Direct Life Insurance for 5 years in a row. Our unique range of recovery and life insurance products were awarded the Trauma Standalone and Accidental Injury winners for 2022.

Recover Cover - just another way HCF provides Uncommon Care.


Do I need to have private health insurance with HCF to apply for Recover Cover?
For most of our products, you won’t need to have HCF private health insurance to apply for Recover Cover. But you’ll need a couple or family HCF private health insurance policy to take out a family level of Cash Back Cover or a family level of Critical Illness Cover.

Is there an age limit to taking out Recover Cover?
All Recover Cover products include age limitations, and these vary depending on the cover type. To compare our types of cover, visit our page Recover Cover Made For You, or call us on 1800 560 855 to go over your options.

Is there someone I can talk to about Recover Cover?
Yes, we have Recover Cover specialists on hand to help you find the right cover for your circumstances. Call us on 1800 560 855.

Have another question? Head over to our Recover Cover FAQs to find answers on topics like eligibility, quotes and waiting periods.

Read more FAQs

Important Information

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. 

^ 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.