Recover coverhow it works


Private health insurance is great for covering most medical expenses, but sometimes the costs don't stop when you leave hospital. That’s where Recover Cover comes in – giving you quick 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.

We like to think of Recover Cover as a little added protection to your health cover for when life doesn’t go your way.

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We want you to be back on your feet as smoothly and quickly as you can after an accident or illness.

Our claiming process is fast and easy, and most of our claims are paid in less than 5 days (once we get the information we need). We’ll also pay you cash* so you can take the time to recover your way. 

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Our award-winning customer service team^ of Recover Cover specialists are here to answer your questions and help find the right cover for you.

We’re open:
Mon–Fri: 9am–6pm (AEST/AEDT).

Call 1800 560 855

Recover cover products

Cash Back Cover

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.

Kids' Accident Cover

Get cash paid direct to you for common kids’ injuries to help cover costs like splints and extra treatments, or even use it to keep the house running while they get better.

Income Protect Insurance

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 accident.

Critical Illness Cover

Deal with the unpredictable financial impact of serious illness with a fast cash payment so you can concentrate on your health and recovery instead of bills.

Smart term Insurance

Get a lump sum if you’re diagnosed with a terminal illness+ or when you pass away, so your family can worry less about money and focus on dealing with their loss. For those aged 18–54.

Personal Accident Insurance

Recover your way from accidents big and small with a cash payment to help take care of costs like meals, cleaners and visits to the doctor.

Bounceback Cover

Take a quick payout for your recovery to help with unexpected costs like an Uber Comfort for your broken leg, extra treatments and therapies, or a little extra time off work.


Recover cover FAQs

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.

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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.

^We’ve been recognised for customer service excellence with a Customer Service Institute Award for 9 years 2012-2020.

+Life expectancy of less than 12 months.

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