Instant Cover for COVID-19

Receive a $5,000 payment if you are hospitalised for 24 hours or more due to COVID-19. Available for hospitalisations in Australia or overseas while travelling, when you meet the eligibility criteria.
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What does the COVID-19 BounceBack Insurance cover?

Insurance that protects you in the event you are fully vaccinated but still contract COVID-19 and are hospitalised for more than 24 hours
$5,000 Payment

Receive a one-off payment of $5,000 paid directly to you if you are hospitalised for more than 24 hours due to COVID-19

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From buying your BounceBack Insurance to submitting a claim, the process is 100% online.

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The time of getting a quote to buying your BounceBack insurance will take you just 1 minute!

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eligibility criteria

Are you eligible?

Simply answer YES to all of these questions to be eligible
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Commonly asked questions

What does this cover give me?

The COVID-19 BounceBack cover gives you a $5,000 instant payout if you are hospitalised with COVID-19 for 24 hours or more.

What does Fully Vaccinated mean?

At the date of commencement of this policy You have been vaccinated with the required number of COVID-19 vaccines within the time frames that has been approved by the Australian Government - Department of Health - Therapeutic Good Administration (TGA). The vaccination process has resulted with You being issued with a valid and current COVID-19 vaccination certificate by the Australian Government.

What does Hospitalised mean?

You have been admitted to hospital as an in-patient by a Registered Medical Practitioner for the treatment of COVID-19.

What are the General Exclusions?

Events where cover will not be provided include:
- Where You have not been Fully Vaccinated against the COVID-19 virus.
- Where You have been diagnosed with COVID-19 at the time of taking out the policy.
- Where You were waiting for results of COVID-19 test at the time of taking out policy or had any close contacts including family members waiting on a COVID-19 test result.
- 14 Day No Claim Period Applies - Where You are hospitalised due to COVID-19 within the first 14 days of the commencement of this policy, no claim for hospitalisation due to COVID-19 will be paid.
- Pay more than two (2) claims during the Period of Insurance.
- If the event of contracting COVID-19 is occasioned by Your deliberate act.
Please read the Policy Wording for more information about Exclusions.

Am I covered if I get COVID-19 overseas and I'm hospitalised in another country?

Yes, you will still receive your $5,000 payout if you contract COVID-19 overseas and are hospitalised in another country, so long as you meed all the requirements of the COVID-19 BounceBack Insurance.

At the time of taking out the insurance, you must meet the eligibility criteria. These are that:
- You are aged between 18-65 years old
- You are an Australian or New Zealand citizen or permanent resident
- You are fully vaccinated against COVID-19
- You are not currently diagnosed with COVID-19 or have any symptoms of COVID-19

Can I receive more than $5,000?

Yes, you can make two claims in one year of insurance. This means the total amount you may receive under the COVID-19 BounceBack insurance is $10,000 in one year of insurance. This insurance covers you for a one time payment of $5,000, and if you contract COVID-19 a second time in one year and are hospitalised for more than 24 hours again, you may be eligible for a second payment of $5,000.

What if I get COVID-19 but I'm not hospitalised?

If you are not hospitalised or are hospitalised for less than 24 hours, you will not receive the $5,000 payout.

For example, if you attend hospital because you feel unwell and are treated as having COVID-19, but are told to go home to recover, then you will not be eligible for the $5,000 payout.

Will this protect me if I work in the healthcare industry?

Yes, this insurance cover provides the $5,000 payout regardless of the industry you work in, as long as you meet the eligibility criteria, above.

Will this protect me for my business?

Yes, if you get COVID-19 while you work, regardless of your work as a beauty therapist, tradie, rideshare driver, or anything else, there would be cover as long as you meet the eligibility criteria.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for every day Australians to buy insurance and be well-informed about their choices.

Who is the insurer of this policy?

The product was designed and developed by ProRisk to help protect everyday Australians or New Zealanders against financial distress as a result of a period of hospitalisation for COVID-19. The product is underwritten by ProRisk on behalf of certain underwriters at Lloyd’s of London.

How do I make a claim for this policy?

Simply contact us on and we will help you make a claim under the policy or submit your details here.

How do I cancel my policy?

You can cancel this policy at any time, by contacting us at with your name, email, and policy number (if you have it handy).