Recover coverFAQs


Have a question about Recover Cover? We know there’s a lot to wrap your head around, so if you can’t find an answer below, our friendly team of Recover Cover specialists are always happy to help.

You can reach us:
Mon–Fri: 9am–6pm (AEST/AEDT).

Call 1800 560 855


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.

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.

What's a pre-existing condition?
A pre-existing condition is any condition, illness or ailment where the signs or symptoms existed at any time before cover commenced, even if a diagnosis had not been made.


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.

Do I need to provide personal medical information to take out a Recover Cover policy?
We’ll need some basic information like your age, weight and whether you smoke but we won’t do complex medical checks.

Product FAQS


Does Cash Back Cover have waiting periods?
Cash Back does not have any waiting periods. However, you aren't able to claim on any pre-existing conditions or serious illnesses that arise within the first 2 months of cover.

Am I covered if the accident happens overseas?
No, Cash Back Cover only covers accidents in Australia.

Can I claim more than once on a Cash Back Cover policy?
Yes, you can claim multiple times on your Cash Back Cover policy, up to a total of $20,000 for single policies and $40,000 for family policies.

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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.

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. 
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Am I covered if I'm made redundant?
No, redundancy isn't covered under Income Protect Insurance.

I have 2 jobs and work more than 21 hours on each. Will I be covered for both jobs if I become sick and unable to work?
You can only be covered for 1 job. You'll have to decide which job you'd like to be covered for.

Can I apply if I'm self-employed?
Yes, provided you've been self-employed for at least 12 months.

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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 (depending on the level of cover) is payable to each insured person.

What happens to our Family Critical Illness Cover when my partner or I turn 65?
All cover ends when the person listed as insured turns 65. Cover will end for other family members if they turn 65 beforehand or are no longer a Dependant. See the PDS for more information.

Does the premium increase with age?
Yes, premiums increase with your age every 5 years, with the first increase at age 20.

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Am I covered for Smart Term Insurance outside of Australia?
Yes, you're insured anywhere in the world.

Can I nominate a beneficiary for my Smart Term Insurance policy?
No, the proceeds of your policy will be paid based on your last will and testament.

Can I still apply for Smart Term Insurance if I already have a life insurance policy with another insurance company?
Yes, the sum insured will be paid even if you have other life insurance policies.

Does the premium increase with age?
Yes, premiums increase with your age every 5 years, with the first increase at age 20.

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Who can apply for Personal Accident Insurance?
Personal Accident Insurance is available to Australian permanent residents aged 55–74.

When does my cover begin?
Your cover starts the day after the cover commencement date.

Does the premium increase with age?
No, your premium does not increase with age.

Is there a maximum benefit for injuries caused by the same accident?
The maximum benefit paid for all injuries caused by the same accident is $7,500 on the $25,000 level of cover and $15,000 on the $50,000 level of cover.  

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Who can apply for Bounceback Cover?
Bounceback Cover is available to Australian permanent residents aged 16–30.

When does my cover end?
You can keep your Bounceback Cover until you're 65.

Does the premium increase with age?
Yes, premiums are $7 a week for those aged 16–34, premiums will then increase every 5 years from age 35.

I have a pre-existing condition; can I have this cover?
You can take out this cover, but we don't pay benefits for pre-existing conditions.

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Get in touch

Have another question? We've been awarded Customer Service Institute Awards for 9 years*.
Call 1800 560 855

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.

*Recognised 9 years 2012-2020.

HCF Life is a member of the Financial Services Council and we are bound by its 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