Recover Boost

Recover Boost is a life insurance product that is linked to your private health insurance and is designed to help support you financially if you experience an accident resulting in surgery or are diagnosed with a specified critical illness*. It provides a $10,000 lump sum payment you can spend however you like while you recover.

Whether it's helping to cover the cost of taxis to and from the hospital, groceries, , childcare or even everyday or unexpected bills, Recover Boost helps ease the financial pressure so you can focus on getting better.

With no complex application process or medicals required to take out cover, Recover Boost offers an alternative way to provide financial support for some of life’s unexpected health challenges.

Recover Boost pays a $10,000 lump sum if you experience an accident that results in surgery or if you're diagnosed with a specified critical illness* while you’re covered.

Here’s what’s covered:

From day 1 of your cover:

• accident resulting in surgery 
• burns 

After a 180-day qualifying period:

• cancer of specified severity 
• coronary artery bypass graft surgery 
• heart attack of specified severity 
• kidney failure (end stage) 
• major organ transplant 
• stroke 

Recover Boost is designed to help support you during serious health events, but there are some situations where a claim won’t be paid. These include where the event giving rise to the claim:

• is an accident that occurs overseas; 

• is caused or contributed to by attempted suicide, or any intentional self-inflicted act by the insured person; 

• is as a result of war, whether declared or not, or service in the armed forces; 

• occurs whilst the insured person commits an illegal act; 

• occurs whilst committing an illegal act on an insured person by you (the policy owner) or the insured person’s guardian (if applicable); 

• occurs during participation in professional sport (applicable to accident resulting in surgery claims only); or 

• is directly or indirectly caused or contributed to by drug or alcohol abuse, use or intoxication, other than as prescribed by a medical practitioner. 

In addition to the above, no benefit is payable where the event giving rise to the claim: 

• occurs before the cover start date for any claim related to burns or accident resulting in surgery; or 

• occurred, was diagnosed, or was apparent during the qualifying period for any claim related to cancer of specified severity, coronary artery bypass graft surgery, heart attack of specified severity, kidney failure (end stage), major organ transplant or stroke. 

• We will also not pay any benefit where we are prohibited from making a payment by Australian or foreign sanction, taxation, terrorism financing, financial crime or other law to which we or another member of the global Zurich Insurance Group is subject (refer to the ‘Sanctions and other legal restrictions’ section on page 11 of the PDS for full details). 

• We will not pay a benefit for any subsequent critical illness event that is directly or indirectly caused by a critical illness event for which a benefit has already been paid. 

Recover Boost has a lifetime limit of 2 claims per person, giving you added support if you face more than one serious health event.

However, only one claim can be made for each accident resulting in surgery or specified critical illness event*. So, if you’ve already received a payment for a particular condition, like a heart attack, you won’t be able to claim again for that same condition in the future.

Recover Boost is available only to eligible Medibank private health members. To apply, you must:

• Be aged between 16 and 60

• Be an Australian resident living in Australia at the time of purchase, and

• Be the policy holder of and insured under an eligible Medibank private health insurance policy. The only excluded policies are Overseas Student Health Cover, Overseas Visitor Cover & Overseas Workers Cover. 

Recover Boost is available across a range of private health policy types including a single, couple or families and will be linked to your Hospital, Extras and Ambulance covers. Dependents on your health insurance policy, including children, are included at no extra charge on single parent and two-parent family policies.

The Target Market Determination sets out some additional guidelines about who will be suited to Recover Boost. For example:

• Be able to pay the premiums when due, either $4.95 per week for singles or $9.90 per week for couples. 

Recover Boost would also be unsuitable for any individual who is severely or terminally ill, as they would be unlikely to ever make a successful claim. 

Upon satisfying the eligibility criteria and TMD guidelines, then acceptance to Recover Boost is guaranteed. There are no further application questions, just a privacy consent requirement and collection of payment details.

Recover Boost only covers specified accidents resulting in surgery that happen within Australia. If an accident occurs while you're overseas, unfortunately, it won’t be eligible for a claim under this cover.

If you’re heading overseas, Medibank Travel Insurance offers a range of cover options to suit your needs.

Yes, Recover Boost is exclusively available to  eligible Medibank Private health members and is linked to your Medibank private health insurance policy.

Your Recover Boost policy, including cover for all insured persons, will end on the earliest of the following:

• the date we receive your request to cancel the policy; 

• the date we cancel the policy because premiums were not paid when due;  

• the date the policy owner and, if applicable, their partner are no longer an insured person (as detailed in the ‘When cover ends for an insured person’ section on page 9 of the PDS);  

• the date that the policy holder of the private health insurance cover has changed; 

• the date that the private health insurance cover come to an end for any reason; 

•  the death of the policy owner;  

• or  

• the policy term date (Note: Your cover may continue under a replacement policy. Refer to the ‘Your  policy  term’ section on page 10 of the PDS). 

We will not pay a claim on the policy for any event that occurs after the date your policy ends. Any premiums paid in advance by you for cover after the date your policy ends will be refunded to you. 

• Cover for each individual insured persons under the policy will end on the earliest of:

• the policy anniversary date immediately after the insured person turns 65;   

• the date the insured person ceases to be insured under the private health insurance cover; 

• the date the insured person has reached their individual lifetime claim limit; 

• the death of the insured person; or 

• the date the policy ends.  

No. Recover Boost isn’t a form of income protection. Recover Boost and income protection are designed to support you in different ways. 

Recover Boost provides a $10,000 payment if you experience an accident resulting in surgery or a specified critical illness event*, subject to the terms and conditions. It’s financial support to help with everyday costs while you recover from a specific and serious health events.

Income protection, on the other hand, typically offers ongoing payments to cover a portion of your income if you’re unable to work due to an illness or injury.

Consider Recover Boost for financial support during recovery, and income protection for longer-term regular financial support for your day to day expenses, especially if you have dependants who rely on your income or you don’t have access to paid leave. 

For advice tailored to your personal circumstances, speak to a financial adviser.

Recover Boost is designed to help with new and unexpected health events. That means:

• You won’t be covered for burns or accidents resulting in surgery if they occurred before your cover started.

  You also won’t be covered for certain serious critical illnesses if they happen, or become apparent within the first 180 days of your cover (referred to as the ‘Qualifying Period’ within the PDS). These are:

• cancer of specified severity 

• coronary artery bypass graft surgery

• heart attack of specified severity

• Kidney failure (end stage)

• major organ transplant 

• stroke

The Qualifying Period applies to new Recover Boost policy holders, when a new member is added to an existing Recover Boost policy, or anyone who has not yet served the qualifying period on a Recover Boost policy that then re-starts under a new Recover Boost policy.  

These requirements help make sure the cover is used for unforeseeable conditions that arise after your policy begins.

Eligible Medibank health members can get Recover Boost online, in-store or over the phone, with no medicals or blood tests needed to take out cover! Just make sure to mention Recover Boost next time you visit, message or call us.

To check your eligibility, call 132 331. 

If you need to make a claim, we’re here to help make the process as smooth as possible.

To submit a claim, visit here. 

No. Recover Boost is linked to your Medibank private health insurance, so if you cancel your health cover, your Recover Boost policy will also end.

To stay covered with Recover Boost, you’ll need to keep an eligible Medibank health policy active. 

Yes! Recover Boost is separate to your health insurance policy and can be cancelled at any time.

No. The cover provided under your health insurance policy and the cover provided under Recover Boost appear similar, but cover different purposes with different definitions. The first is a regulated health insurance product, while the second is a regulated life insurance product.

A claim on one does not affect, preclude or facilitate a claim on the other. The claims are independent of each other, and different claims processes apply.

Recover Boost is insured by Zurich Australia Limited (ABN 92 000 010 195 AFSL 232510).  All premiums are paid to Zurich and all claims are paid by Zurich.  Medibank is not the insurer of Recover Boost and is not responsible for assessing or paying claims. Neither does Medibank ordinarily exchange your personal health insurance information with Zurich. You are responsible for supplying evidentiary information at time of claim to Zurich.  

There are legal exemptions where fraud or other illegal activities are suspected when your data may be exchanged with other parties and enforcement agencies.

NEOS Direct is the trading name of NDLI Pty Ltd (ABN 70 665 747 277 AFSL 547119)who are the legal entity responsible for the general financial advice and dealing activities connected with Recover Boost.  NEOS Direct has authorised Medibank (ABN 47 080 890 259 (AR No. 286089) to provide general financial advice to you, such as through this website, over the phone, by message or in store. Medibank are not authorised to provide personal financial advice to you.

NEOS Direct also handles the administration of the policies and collection of premiums on behalf of Zurich, utilising systems, processes and staff at Medibank.