Recover coverfor young adults

Life’s full of surprises and illness or injury can strike at any time. Here at HCF, we take care of more than just health insurance, so you can be protected when life’s hurdles come 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 getting back on your feet.

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

  • affordable: made to fit all budgets, with Cash Back Cover for singles from only $3 a week
  • fast: most claims are paid in less than 5 days (once we get the details 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



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 an illness or 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.



Our Income Protect Insurance was awarded Mozo Experts Choice Award for Exceptional Value Income Protection 2 years running (2022-2023). We’ve also been awarded the WeMoney Award for Best Income Protection Insurance, 2 years in a row (2022-2023) and the 2023 WeMoney Award, Best for Quality (Life Insurance).


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 level of HCF private health insurance to take out a family level of Cash Back Cover or a family level of Critical Illness Cover.

Why would I apply for Recover Cover if I have health insurance?
We're lucky in Australia – our healthcare system has most accidents and illnesses covered. But sometimes the costs don't stop when you leave hospital. That’s where Recover Cover comes in – it 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.

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 needs. 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.