HCF LIFE INSURANCE AND RECOVER COVER

RT Health members* can access a range of life insurance options provided by HCF Life, helping you and your family stay protected through life’s uncertainties. 

Life Protect Insurance

Supports you and your family with a lump sum benefit if you’re diagnosed with a terminal illness+ or pass away.

Income Protect Insurance

Pays you a portion of your lost income to help cover the bills if you’re unable to work due to sickness or injury.

Critical Illness Insurance

Eases the financial strain of serious illness with flexible cash support to help you cover daily expenses.

Personal Accident Insurance

Gives you extra cash to help you recover from injuries like certain fractures and burns.

Kids’ Accident Cover

Pays cash straight to you to help your kids recover from injuries caused by an accident.

Cash Back Cover

Gives you fast cash to help with the costs of recovery like extra rehab, taxis, or time off work.

RT Health members* can get one month free and save 10% on HCF Life Protect Insurance^. 

To take advantage of the offer: 

1. Log in to the online Member Services portal to get your code

You’ll see the code under ‘Member Benefits’

2. Call HCF Life Insurance Contact Centre

Make sure you have your RT Health membership number and discount code handy. 

For all other HCF Life Insurance and Recover Cover purchases: 

Call HCF Life Insurance Contact Centre on 1800 560 855, Monday to Friday, 8am–8pm, Saturday 9am–5pm AEST.

+ 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. 

* RT Health is a division of The Hospitals Contribution Fund of Australia Limited (ACN 000 026 746)(HCF). References to an “RT Health member” mean an HCF member on an RT Health branded product. 

^ All active RT Health members are eligible for a member discount of 10% on HCF Life Protect Insurance. The 10% premium discount and one month premium free offer applies upon successful verification of membership and application of the discount code.  The one month free offer will be applied as a waiver of the first monthly premium. The 10% discount applies to premiums after any applicable free period. Eligibility criteria apply for HCF Life Protect Insurance and is subject to the HCF Life Protect Insurance terms and conditions (refer to the combined Product Disclosure Statement, Policy Document and Financial Services Guide (Combined PDS), available at hcf.com.au/lifeinfo). HCF Life reserves the right to withdraw, vary or extend this offer at any time, without notice. 

HCF Life Insurance and Recover Cover products are issued by HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life) and arranged by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), which wholly owns HCF Life. HCF and HCF Life do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo. The relevant Target Market Determination is also available at hcf.com.au/lifeinfo. The premiums for HCF Life Protect and 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.