HCF Critical Illness Cover

Receive cover for up to 40 critical illnesses with HCF.

Critical Illness Cover is designed by HCF Insurance to meet the needs of Australians who may require extra financial assistance to complement your private health cover and Medicare. With HCF Medical Trauma Cover, you will be covered for over 40 medical conditions and you can include your family in the policy too, if you are a HCF member with family health cover.

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With a trauma protection from HCF, you will be able to meet all the financial obligations that your family has, especially at a time when you have been struck with a life-threatening illness. The benefit payment can be used to keep on top of the cost of medical treatments and rehabilitation that you may require and fund any modification to your home and/or car. HCF Critical Illness Cover can give you and your family with an invaluable peace of mind, so that you can focus on what is important – your recovery.

What does it cover?

  • Two benefit amount options: You can choose between two level of coverage of $25,000 and $50,000 depending on your needs and requirements.
  • Cover for your partner and children: You can include your family in your trauma policy, with benefit to cover your children, provided that you own a HCF family health cover policy. A benefit amount will be payable if your children are suffering from medical events such as Leukemia, other types of cancer, major organ transplant, major head trauma, severe burns, and aplastic anaemia. Single Cover trauma plans is also available through HCF for both members and non-members.
  • Coverage for various medical conditions: There are over 40 medical events that are covered and the benefits payable for certain conditions will depend on the treatment levels that are required. Some of the conditions covered include:
  • Cancer: breast, prostate, skin, cervical cancers
  • Heart: heart attack, angioplasty, bypass coronary arteries, open heart surgery, cardiomyopathy, pulmonary hypertension
  • Kidney failure
  • Major organ transplant
  • Motor neurone disease
  • Coma
  • Multiple Sclerosis
  • Parkinson’s disease
  • Stroke
  • Accident: loss of limbs and/or sight, major head trauma, paralysis, severe burns
  • Aplastic anaemia
  • Muscular dystrophy
  • Death and terminal illness cover: In the event of your death or if you have been diagnosed with a terminal illness with less than 12 months to live, you will be entitled to the full benefit payment, depending on the level of cover you have chosen.

When won't a benefit be paid?

It is essential to read through the Product Disclosure Statement (PDS) carefully so that you are aware of what is and is not covered. It should be noted that some medical conditions such as stroke, heart attack, heart disease and cancer are not covered in the first 90 days after you receiving the policy.

If the illness has been diagnosed outside of Australia, or where a medical procedure has taken place, if that medical procedure was performed outside of Australia, the benefit will not be paid.

Other HCF Medical Critical Illness Cover exemptions which will result in the benefit not payable include the following:

  • If the medical trauma occurred before the commencement date of the policy or if it had already been paid out on previously.
  • If the trauma was intentionally self inflicted or occurred during an illegal act committed by the insured person.
  • If the trauma is the result of AIDS (Acquired Immune Deficiency Syndrome) or any other AIDS-related virus.
  • Where war, insurrection, terrorism, civil unrest, or general hostilities are involved.
  • When drug or alcohol abuse has taken place.
  • It is a pre-existing condition.

How do I apply?

You will be eligible to apply for trauma cover from HCF if you are:

  • Between 18 and 54 years old
  • A permanent resident of Australia
  • A member of HCF family health cover, if you want to apply for HCF Family Medical Trauma Cover

You are not required to undertake any medical examination or fill out questionnaires regarding your health and policy acceptance will be guaranteed, provided that you meet the eligibility criteria.

There is a cooling-off period of 30 days involved in which time you can thoroughly go through the whole document while enjoying full cover. If you are not satisfied with the cover being offered you can cancel the policy within the 30 days and receive a full refund, as long as you have not lodged any claims for benefits in the meantime.

William Eve

Will is a personal finance writer for finder.com.au specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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