-
Compare & Switch
-
Compare & Switch
Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.
- Compare Health Insurance
- Switch health insurance to HCF
- Get a quote
-
-
Health
-
Health
Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.
- Why health insurance
- Find health insurance cover
- Find a provider
- Health programs
- Get a quote Find out more
-
-
Overseas Visitors
-
Overseas Visitors Health Insurance (OVHC)
Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).
- Get a quote Find out more
-
-
Life
-
HCF Life and Recover Cover
Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.
- Find out more
-
-
Travel
-
Travel
Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.
- Find out more
-
-
Pet, Home & Car
-
Pet, Home & Car
From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.
- Home & Contents
- Landlord
- Car
- Pet
-
-
Flip
-
Flip
Flip is the flexible, great value accident cover made for active lifestyles. Whether you’re chasing waves or at the gym, get cover when you need it.
- Flip insurance
- Get cover now
-
-
About HCF
-
About HCF
Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.
- Our benefits
- Our partners
- Member care
- Sustainability
- Loyalty program
- Get help
- Get a quote
-
COVER TO GET YOU BACK LIVING LIFE
We know you want to get back on your feet as quickly as you can after an illness or injury.
Bounceback Cover~ from our Recover Cover range of recovery and life insurance products means if something goes wrong, you’ll have a fast payout* to help you recover – your way. So, if you need an Uber Comfort for your broken leg, extra treatments or therapies, or a little extra time off work – we’ve got you covered.
“HCF’s Bounceback Cover was incredibly helpful, it actually saved my life financially for a moment. I hurt my shoulder, a tear, in a volleyball injury. I work for a transport company so couldn’t work with the injury, and I didn’t have income insurance. I’m 25 so hadn’t got that yet and it was really hard to go from a full-time wage to nothing. I’m so glad I had cover as things would have been really tough if I didn’t have it, and I wouldn’t have been able to recover as well. It was super easy to claim on, it was amazing.”
Jarrod, Recover Cover member, Bounceback Cover
HELPING YOU BOUNCE BACK
COVER TO GET YOU BACK LIVING LIFE
Bounceback Cover is designed by HCF as part of our unique range of flexible life insurance options designed to help with the unexpected costs that come with recovery.
Who can apply?
Australian permanent residents aged between 16–30, with cover expiring at 65. What does it pay for?
- Up to $3,000 for accidents requiring surgery, a range of certain fractures and breaks
- Up to $5,000 for severe burns
- Between $5,000 and $100,000 for specified illnesses and accidents*.
What makes Bounceback Cover uncommon?
Our Bounceback Cover is:
- affordable: cover starts from $7 per week (for those aged 16–34), so it's made to fit many 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.
BOUNCEBACK COVER FAQS
COVER TO GET YOU BACK LIVING LIFE
When does my cover end?
You can keep your Bounceback Cover until you're 65.
Does the premium increase with age?
Yes, premiums are $1 a day for ages 16–34, premiums will then increase every 5 years from age 35.
I have a pre-existing condition. Am I eligible for this cover?
You can take out this cover, but we don't pay benefits for pre-existing conditions.
Have another question? Head over to our Recover Cover FAQs to find answers on topics like eligibility, quotes and waiting periods.
How do premiums work for Bounceback Cover?
Your Bounceback Cover premium increases with your age in 5-year bands. The first increase occurs at age 35, and then continues every 5 years after that until your policy ceases at age 65.
From time to time, we may also change the Bounceback Cover premium for all policyholders to allow us to cover rising claims costs and better support our members’ needs. You’ll be notified at least 30 days in advance if your premium will change.
For more information, please call us on 13 13 34.
MORE OF OUR PRODUCTS
Life protect insurance
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.
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 an illness or injury. For those aged 18–60.
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. For those aged 16–60.
IMPORTANT INFORMATION
~ Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 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. 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.
* Subject to exclusions and limitations - please refer to the PDS and the Policy Document for further information.
^ 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.
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 fsc.org.au
HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan