Choose HCF Vital Extras or HCF Top Extras and enjoy higher limits over time.
At HCF, we’re all about giving back to our members – that includes thanking you for your loyalty.
Select HCF Vital Extras or HCF Top Extras and you can claim more back on a range of services the longer you’re with us (up to a maximum limit). Loyalty benefits apply to dental, physio, chiro, hearing aids and more.
If you upgrade your cover you may need to serve waiting periods before you can take advantage of your increased benefits and limits.
| Services (listed amounts are total loyalty limits, per service) | HCF Vital Extras | HCF Top Extras |
|---|---|---|
Fillings, extractions, oral surgery, periodontics, endodontics, veneers, crowns, bridges and dentures (dentures claimable every three years) |
Year 1 - $800 Year 2 - $950 Year 3+ - $1,100 |
Year 1 - $1,000 Year 2 - $1,150 Year 3+ - $1,300 |
Physiotherapy, exercise physiology |
Year 1 - $350 Year 2 - $450 Year 3+ - $550 |
Year 1 - $600 Year 2 - $750 Year 3+ - $900 |
Occupational therapy, psychology |
Year 1 - $350 Year 2 - $450 Year 3+ - $550 |
Year 1 - $600 Year 2 - $750 Year 3+ - $900 |
Remedial massage and myotherapy, acupuncture and CHM consultation Sub-limit of $250 for HCF Vital Extras / $300 for HCF Top Extras per therapy service per year applies |
Year 1 - $250 Year 2 - $350 Year 3+ - $450 |
Year 1 - $300 Year 2 - $400 Year 3+ - $500 |
Chiro, osteo |
Year 1 - $250 Year 2 - $350 Year 3+ - $450 |
Year 1 - $300 Year 2 - $400 Year 3+ - $500 |
| Dietetics, audiology, speech pathology, podiatry (including foot orthotics – foot orthotics annual limit is capped at Year 1) | Year 1 - $200 Year 2 - $250 Year 3+ - $400 |
Year 1 - $250 Year 2 - $300 Year 3+ - $500 |
Hearing aids (claimable once every three years) |
Under 1 year: Up to 5 years: Years 6-9: Years 10-14: Years 15-19: Years 20+: |
Under 1 year: Up to 5 years: Years 6-9: Years 10-14: Years 15+: |
To find out more about HCF loyalty benefits, or to upgrade your extras cover, call 13 13 34.
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