Your Quote

HCF Vital Extras
Quote Number

Comprehensive extras cover for a wide range of services and therapies.

Cancel within 30 days and get a 100% refund (if you haven't claimed)++

From

*
Select

From , the new price will be *

Excess
Select
*Australian Government Rebate applied and excludes any Lifetime Health Cover loading
Cancel within 30 days and get a 100% refund (if you haven't claimed)++
HCF Vital Extras
From
*
Download product summary (PDF)
HCF Vital Extras
HCF Vital Extras

Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year


Service Benefits
Examinations $32 - $73
Single film x-rays $31
Removal of plaque / calculus $36 - $64
Application of fluoride $28

Year 1 $800 limit


Service Benefits
Direct fillings (1-2 surfaces) $85 - $105
Direct fillings (3 or more surfaces) $128 - $177
Simple extractions $95 - $143
Indirect fillings $298 - $671
Surgical extractions $165 - $260
Treatment of tissue surrounding teeth $23 - $374
Treatment of root canals $27 - $248
Placing of crowns and bridges $244 - $1,000
Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $1,100

$700 LIMIT for ORTHODONTISTS ($350 LIMIT if general dentist)

Lifetime limit $2,100 or $1,050 for services by dentists, other than orthodontists


Service Benefits
Orthodontics - orthodontist / other dentists Up to $700/$350

Waiting period
General Dental 2 months
Major Dental 12 months
Orthodontic 12 months

$250 limit


Service Benefits
Spectacle frames 100% of fee up to annual limit
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) 100% of fee up to annual limit
Contact lenses - pair 100% of fee up to annual limit

Waiting period
Optical 2 months

Year 1 $350 limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $58 / $49
Exercise physiology (group / class consultations covered under Health Management Program) $33

Year 1 $350 limit


Service Benefits
Occupational therapy $62
Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations $26/$85
Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations $18/$49
HCF-approved counselling & accredited mental health social worker includes group consultations $15/$41
HCF-approved Online Cognitive Behavioural Therapy courses $35 - $59

Year 1 $250 limit


Service Benefits
Chiropractic - initial / subsequent $40 / $33
Osteopathy - initial / subsequent $48 / $38

Year 1 $250 limit

Sub-limit $250 per therapy service


Service Benefits
Remedial massage and myotherapy - initial / subsequent $36 / $31
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31

Year 1 $200 limit


Service Benefits
Dietetics - initial / subsequent $45
Audiology - initial / subsequent $60
Speech pathology - initial / subsequent $60
Podiatry (including 1 pair of foot orthotics per person per year) $35 / $30
Orthotist/Prosthetist and Pedorthist $20-$100

Waiting period
Therapies (excluding foot orthotics) 2 months

Max $200 per policy


Service Benefits
Travel and Accommodation (200km round trip) $40

$180 limit


Service Benefits
HCF approved pharmacy (After PBS equivalent co-payment subtracted) Up to $50 per script

Max $150 per policy


Service Benefits
Artificial aids (HCF approved e.g. low vision aids) $45 - $150

$600 - $1,600 limit


Service Benefits
Hearing aids $600 (benefits accrue and renew every three years)

$150 per person max $300 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) Up to $150 per person

$150 per eligible child


Service Benefits
School Accident Benefit Up to $150 per eligible child

Waiting period
Travel and Accommodation 2 months
Vaccines and Immunisations 2 months
Artificial aids 12 months
Hearing aids 12 months
Health Management Programs 2 months
School Accident Benefit 2 – 12 months
Foot orthotics 12 months
Extra Cover Explained

Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more.  Waiting periods apply and vary according to the type of service.

If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.

Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.

Included means services and treatments are covered and you'll have less out-of-pocket expenses.

Download product summary (PDF)
HCF Vital Extras
HCF Vital Extras

Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year


Service Benefits
Examinations $32 - $73
Single film x-rays $31
Removal of plaque / calculus $36 - $64
Application of fluoride $28

Year 1 $800 limit


Service Benefits
Direct fillings (1-2 surfaces) $85 - $105
Direct fillings (3 or more surfaces) $128 - $177
Simple extractions $95 - $143
Indirect fillings $298 - $671
Surgical extractions $165 - $260
Treatment of tissue surrounding teeth $23 - $374
Treatment of root canals $27 - $248
Placing of crowns and bridges $244 - $1,000
Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $1,100

$700 LIMIT for ORTHODONTISTS ($350 LIMIT if general dentist)

Lifetime limit $2,100 or $1,050 for services by dentists, other than orthodontists


Service Benefits
Orthodontics - orthodontist / other dentists Up to $700/$350

Waiting period
General Dental 2 months
Major Dental 12 months
Orthodontic 12 months

$250 limit


Service Benefits
Spectacle frames 100% of fee up to annual limit
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) 100% of fee up to annual limit
Contact lenses - pair 100% of fee up to annual limit

Waiting period
Optical 2 months

Year 1 $350 limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $58 / $49
Exercise physiology (group / class consultations covered under Health Management Program) $33

Year 1 $350 limit


Service Benefits
Occupational therapy $62
Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations $26/$85
Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations $18/$49
HCF-approved counselling & accredited mental health social worker includes group consultations $15/$41
HCF-approved Online Cognitive Behavioural Therapy courses $35 - $59

Year 1 $250 limit


Service Benefits
Chiropractic - initial / subsequent $40 / $33
Osteopathy - initial / subsequent $48 / $38

Year 1 $250 limit

Sub-limit $250 per therapy service


Service Benefits
Remedial massage and myotherapy - initial / subsequent $36 / $31
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31

Year 1 $200 limit


Service Benefits
Dietetics - initial / subsequent $45
Audiology - initial / subsequent $60
Speech pathology - initial / subsequent $60
Podiatry (including 1 pair of foot orthotics per person per year) $35 / $30
Orthotist/Prosthetist and Pedorthist $20-$100

Waiting period
Therapies (excluding foot orthotics) 2 months

Max $200 per policy


Service Benefits
Travel and Accommodation (200km round trip) $40

$180 limit


Service Benefits
HCF approved pharmacy (After PBS equivalent co-payment subtracted) Up to $50 per script

Max $150 per policy


Service Benefits
Artificial aids (HCF approved e.g. low vision aids) $45 - $150

$600 - $1,600 limit


Service Benefits
Hearing aids $600 (benefits accrue and renew every three years)

$150 per person max $300 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) Up to $150 per person

$150 per eligible child


Service Benefits
School Accident Benefit Up to $150 per eligible child

Waiting period
Travel and Accommodation 2 months
Vaccines and Immunisations 2 months
Artificial aids 12 months
Hearing aids 12 months
Health Management Programs 2 months
School Accident Benefit 2 – 12 months
Foot orthotics 12 months
Extra Cover Explained

Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more.  Waiting periods apply and vary according to the type of service.

If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.

Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.

Restricted means hospital benefits are limited and you may have higher out-of-pocket expenses for these services and treatments.

Download product summary (PDF)
HCF Vital Extras
HCF Vital Extras

Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year


Service Benefits
Examinations $32 - $73
Single film x-rays $31
Removal of plaque / calculus $36 - $64
Application of fluoride $28

Year 1 $800 limit


Service Benefits
Direct fillings (1-2 surfaces) $85 - $105
Direct fillings (3 or more surfaces) $128 - $177
Simple extractions $95 - $143
Indirect fillings $298 - $671
Surgical extractions $165 - $260
Treatment of tissue surrounding teeth $23 - $374
Treatment of root canals $27 - $248
Placing of crowns and bridges $244 - $1,000
Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $1,100

$700 LIMIT for ORTHODONTISTS ($350 LIMIT if general dentist)

Lifetime limit $2,100 or $1,050 for services by dentists, other than orthodontists


Service Benefits
Orthodontics - orthodontist / other dentists Up to $700/$350

Waiting period
General Dental 2 months
Major Dental 12 months
Orthodontic 12 months

$250 limit


Service Benefits
Spectacle frames 100% of fee up to annual limit
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) 100% of fee up to annual limit
Contact lenses - pair 100% of fee up to annual limit

Waiting period
Optical 2 months

Year 1 $350 limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $58 / $49
Exercise physiology (group / class consultations covered under Health Management Program) $33

Year 1 $350 limit


Service Benefits
Occupational therapy $62
Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations $26/$85
Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations $18/$49
HCF-approved counselling & accredited mental health social worker includes group consultations $15/$41
HCF-approved Online Cognitive Behavioural Therapy courses $35 - $59

Year 1 $250 limit


Service Benefits
Chiropractic - initial / subsequent $40 / $33
Osteopathy - initial / subsequent $48 / $38

Year 1 $250 limit

Sub-limit $250 per therapy service


Service Benefits
Remedial massage and myotherapy - initial / subsequent $36 / $31
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31

Year 1 $200 limit


Service Benefits
Dietetics - initial / subsequent $45
Audiology - initial / subsequent $60
Speech pathology - initial / subsequent $60
Podiatry (including 1 pair of foot orthotics per person per year) $35 / $30
Orthotist/Prosthetist and Pedorthist $20-$100

Waiting period
Therapies (excluding foot orthotics) 2 months

Max $200 per policy


Service Benefits
Travel and Accommodation (200km round trip) $40

$180 limit


Service Benefits
HCF approved pharmacy (After PBS equivalent co-payment subtracted) Up to $50 per script

Max $150 per policy


Service Benefits
Artificial aids (HCF approved e.g. low vision aids) $45 - $150

$600 - $1,600 limit


Service Benefits
Hearing aids $600 (benefits accrue and renew every three years)

$150 per person max $300 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) Up to $150 per person

$150 per eligible child


Service Benefits
School Accident Benefit Up to $150 per eligible child

Waiting period
Travel and Accommodation 2 months
Vaccines and Immunisations 2 months
Artificial aids 12 months
Hearing aids 12 months
Health Management Programs 2 months
School Accident Benefit 2 – 12 months
Foot orthotics 12 months
Extra Cover Explained

Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more.  Waiting periods apply and vary according to the type of service.

If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.

Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.

Excluded means no hospital benefits are payable and you'll pay all out-of-pocket expenses for these services and treatments.

Download product summary (PDF)
HCF Vital Extras
HCF Vital Extras

Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year


Service Benefits
Examinations $32 - $73
Single film x-rays $31
Removal of plaque / calculus $36 - $64
Application of fluoride $28

Year 1 $800 limit


Service Benefits
Direct fillings (1-2 surfaces) $85 - $105
Direct fillings (3 or more surfaces) $128 - $177
Simple extractions $95 - $143
Indirect fillings $298 - $671
Surgical extractions $165 - $260
Treatment of tissue surrounding teeth $23 - $374
Treatment of root canals $27 - $248
Placing of crowns and bridges $244 - $1,000
Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $1,100

$700 LIMIT for ORTHODONTISTS ($350 LIMIT if general dentist)

Lifetime limit $2,100 or $1,050 for services by dentists, other than orthodontists


Service Benefits
Orthodontics - orthodontist / other dentists Up to $700/$350

Waiting period
General Dental 2 months
Major Dental 12 months
Orthodontic 12 months

$250 limit


Service Benefits
Spectacle frames 100% of fee up to annual limit
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) 100% of fee up to annual limit
Contact lenses - pair 100% of fee up to annual limit

Waiting period
Optical 2 months

Year 1 $350 limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $58 / $49
Exercise physiology (group / class consultations covered under Health Management Program) $33

Year 1 $350 limit


Service Benefits
Occupational therapy $62
Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations $26/$85
Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations $18/$49
HCF-approved counselling & accredited mental health social worker includes group consultations $15/$41
HCF-approved Online Cognitive Behavioural Therapy courses $35 - $59

Year 1 $250 limit


Service Benefits
Chiropractic - initial / subsequent $40 / $33
Osteopathy - initial / subsequent $48 / $38

Year 1 $250 limit

Sub-limit $250 per therapy service


Service Benefits
Remedial massage and myotherapy - initial / subsequent $36 / $31
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31

Year 1 $200 limit


Service Benefits
Dietetics - initial / subsequent $45
Audiology - initial / subsequent $60
Speech pathology - initial / subsequent $60
Podiatry (including 1 pair of foot orthotics per person per year) $35 / $30
Orthotist/Prosthetist and Pedorthist $20-$100

Waiting period
Therapies (excluding foot orthotics) 2 months

Max $200 per policy


Service Benefits
Travel and Accommodation (200km round trip) $40

$180 limit


Service Benefits
HCF approved pharmacy (After PBS equivalent co-payment subtracted) Up to $50 per script

Max $150 per policy


Service Benefits
Artificial aids (HCF approved e.g. low vision aids) $45 - $150

$600 - $1,600 limit


Service Benefits
Hearing aids $600 (benefits accrue and renew every three years)

$150 per person max $300 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) Up to $150 per person

$150 per eligible child


Service Benefits
School Accident Benefit Up to $150 per eligible child

Waiting period
Travel and Accommodation 2 months
Vaccines and Immunisations 2 months
Artificial aids 12 months
Hearing aids 12 months
Health Management Programs 2 months
School Accident Benefit 2 – 12 months
Foot orthotics 12 months
Extra Cover Explained

Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more.  Waiting periods apply and vary according to the type of service.

If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.

Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.