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HCF Hospital Premium Gold
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Our top hospital cover for complete peace of mind, including pregnancy and birth.

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*Australian Government Rebate applied and excludes any Lifetime Health Cover loading
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HCF Hospital Premium Gold
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HCF Hospital Premium Gold
HCF Starter Extras
HCF Starter Extras (with optical)
HCF Flex My Extras
HCF Mid Extras
HCF Vital Extras
HCF Top Extras
HCF Hospital Premium Gold

For procedures identified as Minimum Benefits, we will pay the rate set out by the Commonwealth as the minimum shared room benefit and benefits for Government approved Prostheses List items, if applicable.

Waiting Period: 1 day

This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.

Waiting Period: 2 months

This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Members who have held hospital cover for at least 2 months and upgrade to HCF Hospital Gold to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

Waiting Period: 2 months

This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.

Waiting Period: 2 months

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Minimum benefits covered

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

If you have hospital cover, you can claim benefits for things like accommodation and operating theatre fees when admitted to hospital as an inpatient for dental surgery. You may have out-of-pocket costs depending on the hospital and dental surgeon you choose.

If you have eligible extras, you can claim benefits for dental surgery received out of hospital. You may have out-of-pocket costs depending on your annual limits and the services and treatments included in your extras cover.

Waiting Period: 2 months
(12 months pre-existing)

Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prosthesis List). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 12 months

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

Waiting Period: 12 months

Hospital Cover Explained

In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.

Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.

When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.

If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.

HCF Starter Extras

$350 limit per person max $700 per policy

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


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

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

$150 limit per person max $300 per policy


Service Benefits
Physiotherapy – initial / subsequent $40 / $35

Combined with physiotherapy limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 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.

HCF Starter Extras (with optical)

$400 limit per person max $800 per policy

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


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

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

$100 limit per person max $200 per policy


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

Waiting period
Optical 2 months

$200 limit per person $400 max per policy


Service Benefits
Physiotherapy – initial / subsequent $42 / $36

$100 limit per person/max $200 per policy - combined limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 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.

HCF Flex My Extras

$650 combined limit with Therapies & Other

1 check up, 1 scale and clean and 1 fluoride treatment per person


Service Benefits
Examinations 60%
Single film x-rays 60%
Removal of plaque / calculus 60%
Application of fluoride 60%
Direct fillings (1-2 surfaces) 60%
Simple extractions 60%
Teeth whitening - In-chair (service limits apply) 60%
Teeth whitening - Home application (service limits apply) 60%

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

$175 limit


Service Benefits
Spectacle frames 60%
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) 60%
Contact lenses - pair 60%

Waiting period
Optical 2 months

$650 combined limit with Dental & Other


Service Benefits
Physiotherapy – initial / subsequent 60%
Exercise physiology 60%
HCF-approved Online Cognitive Behavioural Therapy courses 60%

$100 Limit


Service Benefits
Remedial massage and myotherapy - initial / subsequent 60%

$650 combined limit with Dental & Other


Service Benefits
Acupuncture and Chinese herbal medicine consultation - initial / subsequent 60%

$650 combined limit with Dental & Other


Service Benefits
Dietetics - initial / subsequent 60%

Waiting period
Therapies (excluding foot orthotics) 2 months

Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit we pay on services included in your Flex My Extras cover. You can use your Gap Bonus on any covered extras service up to your annual entitlement*. Gap Bonus kicks in after 12 months on your Flex My Extras cover and increases each year up to year 4. * Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members. Unused Gap Bonus cannot be rolled over into the following year.


Service Benefits
Gap Bonus Year 1 N/A Year 2 $50, year 3 $75, year 4 $100 per person
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.

HCF Mid Extras

$650 overall limit

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 $29
Removal of plaque / calculus $36 - $62
Application of fluoride $27
Direct fillings (1-2 surfaces) $85 - $105
Direct fillings (3 or more surfaces) $128 - $177
Simple extractions $95 - $143
Indirect fillings $298 - $600
Surgical extractions $157 - $250
Treatment of tissue surrounding teeth $23 - $374
Treatment of root canals $27 - $248
Placing of crowns and bridges $238 - $600
Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $600

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

$200 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

$350 combined limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $56 / $49
Exercise physiology (group / class consultations covered under Health Management Program) $33

$150 combined limit


Service Benefits
Chiropractic - initial / subsequent $38 / $31
Osteopathy - initial / subsequent $46 / $36
Remedial massage and myotherapy - initial / subsequent $36 / $31
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31

Waiting period
Therapies (excluding foot orthotics) 2 months

$50 limit per person max $100 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) Up to $50

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.

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.

HCF Top Extras

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


Service Benefits
Examinations $34 - $84
Single film x-rays $34
Removal of plaque / calculus $40 - $75
Application of fluoride $29

Year 1 $1,000 limit


Service Benefits
Direct fillings (1-2 surfaces) $105 - $148
Direct fillings (3 or more surfaces) $177 - $256
Simple extractions $120 - $175
Indirect fillings $341 - $783
Surgical extractions $210 - $330
Occlusal therapy $38 - $400
Treatment of tissue surrounding teeth $27 - $430
Treatment of root canals $32 - $285
Placing of crowns and bridges $280 - $1,100
Dentures and/or components (partial and complete) - Limits renew every 3 years $33 - $1,300

$800 LIMIT for ORTHODONTISTS ($400 LIMIT if general dentist)

Lifetime limit $2,400 or $1,200 for services by dentists, other than orthodontists


Service Benefits
Orthodontics - orthodontist / other dentists Up to $800/$400

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

$275 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 $600 limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $60 / $54
Exercise physiology (group / class consultations covered under Health Management Program) $40

Year 1 $600 limit


Service Benefits
Occupational therapy $72
Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations $30/$100
Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations $21/$58
HCF-approved counselling & accredited mental health social worker includes group consultations $18/$48
HCF-approved Online Cognitive Behavioural Therapy courses $35 - $59

Year 1 $300 limit


Service Benefits
Chiropractic - initial / subsequent $45 / $35
Osteopathy - initial / subsequent $50 / $40

Year 1 $300 limit

Sub-limit $300 per therapy service


Service Benefits
Remedial massage and myotherapy - initial / subsequent $40 / $35
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $40 / $35

Year 1 $250


Service Benefits
Dietetics - initial / subsequent $55
Audiology - initial / subsequent $70
Speech pathology - initial / subsequent $83
Podiatry (including 1 pair of foot orthotics per person per year) $40 / $35
Orthotist/Prosthetist and Pedorthist $25 - $135

Waiting period
Therapies (excluding foot orthotics) 2 months

Max $250 per policy


Service Benefits
Travel and Accommodation (200km round trip) $50

$280 limit


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

Max $200 per policy


Service Benefits
Artificial aids (HCF approved e.g. low vision aids) $55 - $200

$800 - $1,800


Service Benefits
Hearing aids $800 (benefits accrue and renew every three years)

$200 per person max $400 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) $200 per person/max $400 per policy

$200 per eligible child


Service Benefits
School Accident Benefit Up to $200 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 Hospital Premium Gold
HCF Starter Extras
HCF Starter Extras (with optical)
HCF Flex My Extras
HCF Mid Extras
HCF Vital Extras
HCF Top Extras
HCF Hospital Premium Gold

For procedures identified as Minimum Benefits, we will pay the rate set out by the Commonwealth as the minimum shared room benefit and benefits for Government approved Prostheses List items, if applicable.

Waiting Period: 1 day

This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.

Waiting Period: 2 months

This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Members who have held hospital cover for at least 2 months and upgrade to HCF Hospital Gold to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

Waiting Period: 2 months

This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.

Waiting Period: 2 months

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Minimum benefits covered

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

If you have hospital cover, you can claim benefits for things like accommodation and operating theatre fees when admitted to hospital as an inpatient for dental surgery. You may have out-of-pocket costs depending on the hospital and dental surgeon you choose.

If you have eligible extras, you can claim benefits for dental surgery received out of hospital. You may have out-of-pocket costs depending on your annual limits and the services and treatments included in your extras cover.

Waiting Period: 2 months
(12 months pre-existing)

Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prosthesis List). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 12 months

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Waiting Period: 2 months
(12 mths pre-existing)

Hospital Cover Explained

In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.

Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.

When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.

If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.

HCF Starter Extras

$350 limit per person max $700 per policy

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


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

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

$150 limit per person max $300 per policy


Service Benefits
Physiotherapy – initial / subsequent $40 / $35

Combined with physiotherapy limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 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.

HCF Starter Extras (with optical)

$400 limit per person max $800 per policy

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


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

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

$100 limit per person max $200 per policy


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

Waiting period
Optical 2 months

$200 limit per person $400 max per policy


Service Benefits
Physiotherapy – initial / subsequent $42 / $36

$100 limit per person/max $200 per policy - combined limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 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.

HCF Flex My Extras

$650 combined limit with Therapies & Other

1 check up, 1 scale and clean and 1 fluoride treatment per person


Service Benefits
Examinations 60%
Single film x-rays 60%
Removal of plaque / calculus 60%
Application of fluoride 60%
Direct fillings (1-2 surfaces) 60%
Simple extractions 60%
Teeth whitening - In-chair (service limits apply) 60%
Teeth whitening - Home application (service limits apply) 60%

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

$175 limit


Service Benefits
Spectacle frames 60%
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) 60%
Contact lenses - pair 60%

Waiting period
Optical 2 months

$650 combined limit with Dental & Other


Service Benefits
Physiotherapy – initial / subsequent 60%
Exercise physiology 60%
HCF-approved Online Cognitive Behavioural Therapy courses 60%

$100 Limit


Service Benefits
Remedial massage and myotherapy - initial / subsequent 60%

$650 combined limit with Dental & Other


Service Benefits
Acupuncture and Chinese herbal medicine consultation - initial / subsequent 60%

$650 combined limit with Dental & Other


Service Benefits
Dietetics - initial / subsequent 60%

Waiting period
Therapies (excluding foot orthotics) 2 months

Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit we pay on services included in your Flex My Extras cover. You can use your Gap Bonus on any covered extras service up to your annual entitlement*. Gap Bonus kicks in after 12 months on your Flex My Extras cover and increases each year up to year 4. * Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members. Unused Gap Bonus cannot be rolled over into the following year.


Service Benefits
Gap Bonus Year 1 N/A Year 2 $50, year 3 $75, year 4 $100 per person
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.

HCF Mid Extras

$650 overall limit

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 $29
Removal of plaque / calculus $36 - $62
Application of fluoride $27
Direct fillings (1-2 surfaces) $85 - $105
Direct fillings (3 or more surfaces) $128 - $177
Simple extractions $95 - $143
Indirect fillings $298 - $600
Surgical extractions $157 - $250
Treatment of tissue surrounding teeth $23 - $374
Treatment of root canals $27 - $248
Placing of crowns and bridges $238 - $600
Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $600

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

$200 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

$350 combined limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $56 / $49
Exercise physiology (group / class consultations covered under Health Management Program) $33

$150 combined limit


Service Benefits
Chiropractic - initial / subsequent $38 / $31
Osteopathy - initial / subsequent $46 / $36
Remedial massage and myotherapy - initial / subsequent $36 / $31
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31

Waiting period
Therapies (excluding foot orthotics) 2 months

$50 limit per person max $100 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) Up to $50

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.

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.

HCF Top Extras

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


Service Benefits
Examinations $34 - $84
Single film x-rays $34
Removal of plaque / calculus $40 - $75
Application of fluoride $29

Year 1 $1,000 limit


Service Benefits
Direct fillings (1-2 surfaces) $105 - $148
Direct fillings (3 or more surfaces) $177 - $256
Simple extractions $120 - $175
Indirect fillings $341 - $783
Surgical extractions $210 - $330
Occlusal therapy $38 - $400
Treatment of tissue surrounding teeth $27 - $430
Treatment of root canals $32 - $285
Placing of crowns and bridges $280 - $1,100
Dentures and/or components (partial and complete) - Limits renew every 3 years $33 - $1,300

$800 LIMIT for ORTHODONTISTS ($400 LIMIT if general dentist)

Lifetime limit $2,400 or $1,200 for services by dentists, other than orthodontists


Service Benefits
Orthodontics - orthodontist / other dentists Up to $800/$400

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

$275 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 $600 limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $60 / $54
Exercise physiology (group / class consultations covered under Health Management Program) $40

Year 1 $600 limit


Service Benefits
Occupational therapy $72
Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations $30/$100
Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations $21/$58
HCF-approved counselling & accredited mental health social worker includes group consultations $18/$48
HCF-approved Online Cognitive Behavioural Therapy courses $35 - $59

Year 1 $300 limit


Service Benefits
Chiropractic - initial / subsequent $45 / $35
Osteopathy - initial / subsequent $50 / $40

Year 1 $300 limit

Sub-limit $300 per therapy service


Service Benefits
Remedial massage and myotherapy - initial / subsequent $40 / $35
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $40 / $35

Year 1 $250


Service Benefits
Dietetics - initial / subsequent $55
Audiology - initial / subsequent $70
Speech pathology - initial / subsequent $83
Podiatry (including 1 pair of foot orthotics per person per year) $40 / $35
Orthotist/Prosthetist and Pedorthist $25 - $135

Waiting period
Therapies (excluding foot orthotics) 2 months

Max $250 per policy


Service Benefits
Travel and Accommodation (200km round trip) $50

$280 limit


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

Max $200 per policy


Service Benefits
Artificial aids (HCF approved e.g. low vision aids) $55 - $200

$800 - $1,800


Service Benefits
Hearing aids $800 (benefits accrue and renew every three years)

$200 per person max $400 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) $200 per person/max $400 per policy

$200 per eligible child


Service Benefits
School Accident Benefit Up to $200 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 Hospital Premium Gold
HCF Starter Extras
HCF Starter Extras (with optical)
HCF Flex My Extras
HCF Mid Extras
HCF Vital Extras
HCF Top Extras
HCF Hospital Premium Gold

The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

Waiting Period: 12 months

Hospital Cover Explained

In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.

Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.

When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.

If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.

HCF Starter Extras

$350 limit per person max $700 per policy

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


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

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

$150 limit per person max $300 per policy


Service Benefits
Physiotherapy – initial / subsequent $40 / $35

Combined with physiotherapy limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 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.

HCF Starter Extras (with optical)

$400 limit per person max $800 per policy

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


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

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

$100 limit per person max $200 per policy


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

Waiting period
Optical 2 months

$200 limit per person $400 max per policy


Service Benefits
Physiotherapy – initial / subsequent $42 / $36

$100 limit per person/max $200 per policy - combined limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 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.

HCF Flex My Extras

$650 combined limit with Therapies & Other

1 check up, 1 scale and clean and 1 fluoride treatment per person


Service Benefits
Examinations 60%
Single film x-rays 60%
Removal of plaque / calculus 60%
Application of fluoride 60%
Direct fillings (1-2 surfaces) 60%
Simple extractions 60%
Teeth whitening - In-chair (service limits apply) 60%
Teeth whitening - Home application (service limits apply) 60%

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

$175 limit


Service Benefits
Spectacle frames 60%
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) 60%
Contact lenses - pair 60%

Waiting period
Optical 2 months

$650 combined limit with Dental & Other


Service Benefits
Physiotherapy – initial / subsequent 60%
Exercise physiology 60%
HCF-approved Online Cognitive Behavioural Therapy courses 60%

$100 Limit


Service Benefits
Remedial massage and myotherapy - initial / subsequent 60%

$650 combined limit with Dental & Other


Service Benefits
Acupuncture and Chinese herbal medicine consultation - initial / subsequent 60%

$650 combined limit with Dental & Other


Service Benefits
Dietetics - initial / subsequent 60%

Waiting period
Therapies (excluding foot orthotics) 2 months

Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit we pay on services included in your Flex My Extras cover. You can use your Gap Bonus on any covered extras service up to your annual entitlement*. Gap Bonus kicks in after 12 months on your Flex My Extras cover and increases each year up to year 4. * Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members. Unused Gap Bonus cannot be rolled over into the following year.


Service Benefits
Gap Bonus Year 1 N/A Year 2 $50, year 3 $75, year 4 $100 per person
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.

HCF Mid Extras

$650 overall limit

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 $29
Removal of plaque / calculus $36 - $62
Application of fluoride $27
Direct fillings (1-2 surfaces) $85 - $105
Direct fillings (3 or more surfaces) $128 - $177
Simple extractions $95 - $143
Indirect fillings $298 - $600
Surgical extractions $157 - $250
Treatment of tissue surrounding teeth $23 - $374
Treatment of root canals $27 - $248
Placing of crowns and bridges $238 - $600
Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $600

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

$200 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

$350 combined limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $56 / $49
Exercise physiology (group / class consultations covered under Health Management Program) $33

$150 combined limit


Service Benefits
Chiropractic - initial / subsequent $38 / $31
Osteopathy - initial / subsequent $46 / $36
Remedial massage and myotherapy - initial / subsequent $36 / $31
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31

Waiting period
Therapies (excluding foot orthotics) 2 months

$50 limit per person max $100 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) Up to $50

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.

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.

HCF Top Extras

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


Service Benefits
Examinations $34 - $84
Single film x-rays $34
Removal of plaque / calculus $40 - $75
Application of fluoride $29

Year 1 $1,000 limit


Service Benefits
Direct fillings (1-2 surfaces) $105 - $148
Direct fillings (3 or more surfaces) $177 - $256
Simple extractions $120 - $175
Indirect fillings $341 - $783
Surgical extractions $210 - $330
Occlusal therapy $38 - $400
Treatment of tissue surrounding teeth $27 - $430
Treatment of root canals $32 - $285
Placing of crowns and bridges $280 - $1,100
Dentures and/or components (partial and complete) - Limits renew every 3 years $33 - $1,300

$800 LIMIT for ORTHODONTISTS ($400 LIMIT if general dentist)

Lifetime limit $2,400 or $1,200 for services by dentists, other than orthodontists


Service Benefits
Orthodontics - orthodontist / other dentists Up to $800/$400

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

$275 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 $600 limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $60 / $54
Exercise physiology (group / class consultations covered under Health Management Program) $40

Year 1 $600 limit


Service Benefits
Occupational therapy $72
Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations $30/$100
Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations $21/$58
HCF-approved counselling & accredited mental health social worker includes group consultations $18/$48
HCF-approved Online Cognitive Behavioural Therapy courses $35 - $59

Year 1 $300 limit


Service Benefits
Chiropractic - initial / subsequent $45 / $35
Osteopathy - initial / subsequent $50 / $40

Year 1 $300 limit

Sub-limit $300 per therapy service


Service Benefits
Remedial massage and myotherapy - initial / subsequent $40 / $35
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $40 / $35

Year 1 $250


Service Benefits
Dietetics - initial / subsequent $55
Audiology - initial / subsequent $70
Speech pathology - initial / subsequent $83
Podiatry (including 1 pair of foot orthotics per person per year) $40 / $35
Orthotist/Prosthetist and Pedorthist $25 - $135

Waiting period
Therapies (excluding foot orthotics) 2 months

Max $250 per policy


Service Benefits
Travel and Accommodation (200km round trip) $50

$280 limit


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

Max $200 per policy


Service Benefits
Artificial aids (HCF approved e.g. low vision aids) $55 - $200

$800 - $1,800


Service Benefits
Hearing aids $800 (benefits accrue and renew every three years)

$200 per person max $400 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) $200 per person/max $400 per policy

$200 per eligible child


Service Benefits
School Accident Benefit Up to $200 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 Hospital Premium Gold
HCF Starter Extras
HCF Starter Extras (with optical)
HCF Flex My Extras
HCF Mid Extras
HCF Vital Extras
HCF Top Extras
HCF Hospital Premium Gold
Hospital Cover Explained

In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.

Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.

When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.

If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.

HCF Starter Extras

$350 limit per person max $700 per policy

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


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

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

$150 limit per person max $300 per policy


Service Benefits
Physiotherapy – initial / subsequent $40 / $35

Combined with physiotherapy limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 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.

HCF Starter Extras (with optical)

$400 limit per person max $800 per policy

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


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

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

$100 limit per person max $200 per policy


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

Waiting period
Optical 2 months

$200 limit per person $400 max per policy


Service Benefits
Physiotherapy – initial / subsequent $42 / $36

$100 limit per person/max $200 per policy - combined limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 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.

HCF Flex My Extras

$650 combined limit with Therapies & Other

1 check up, 1 scale and clean and 1 fluoride treatment per person


Service Benefits
Examinations 60%
Single film x-rays 60%
Removal of plaque / calculus 60%
Application of fluoride 60%
Direct fillings (1-2 surfaces) 60%
Simple extractions 60%
Teeth whitening - In-chair (service limits apply) 60%
Teeth whitening - Home application (service limits apply) 60%

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

$175 limit


Service Benefits
Spectacle frames 60%
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) 60%
Contact lenses - pair 60%

Waiting period
Optical 2 months

$650 combined limit with Dental & Other


Service Benefits
Physiotherapy – initial / subsequent 60%
Exercise physiology 60%
HCF-approved Online Cognitive Behavioural Therapy courses 60%

$100 Limit


Service Benefits
Remedial massage and myotherapy - initial / subsequent 60%

$650 combined limit with Dental & Other


Service Benefits
Acupuncture and Chinese herbal medicine consultation - initial / subsequent 60%

$650 combined limit with Dental & Other


Service Benefits
Dietetics - initial / subsequent 60%

Waiting period
Therapies (excluding foot orthotics) 2 months

Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit we pay on services included in your Flex My Extras cover. You can use your Gap Bonus on any covered extras service up to your annual entitlement*. Gap Bonus kicks in after 12 months on your Flex My Extras cover and increases each year up to year 4. * Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members. Unused Gap Bonus cannot be rolled over into the following year.


Service Benefits
Gap Bonus Year 1 N/A Year 2 $50, year 3 $75, year 4 $100 per person
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.

HCF Mid Extras

$650 overall limit

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 $29
Removal of plaque / calculus $36 - $62
Application of fluoride $27
Direct fillings (1-2 surfaces) $85 - $105
Direct fillings (3 or more surfaces) $128 - $177
Simple extractions $95 - $143
Indirect fillings $298 - $600
Surgical extractions $157 - $250
Treatment of tissue surrounding teeth $23 - $374
Treatment of root canals $27 - $248
Placing of crowns and bridges $238 - $600
Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $600

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

$200 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

$350 combined limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $56 / $49
Exercise physiology (group / class consultations covered under Health Management Program) $33

$150 combined limit


Service Benefits
Chiropractic - initial / subsequent $38 / $31
Osteopathy - initial / subsequent $46 / $36
Remedial massage and myotherapy - initial / subsequent $36 / $31
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31

Waiting period
Therapies (excluding foot orthotics) 2 months

$50 limit per person max $100 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) Up to $50

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.

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.

HCF Top Extras

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


Service Benefits
Examinations $34 - $84
Single film x-rays $34
Removal of plaque / calculus $40 - $75
Application of fluoride $29

Year 1 $1,000 limit


Service Benefits
Direct fillings (1-2 surfaces) $105 - $148
Direct fillings (3 or more surfaces) $177 - $256
Simple extractions $120 - $175
Indirect fillings $341 - $783
Surgical extractions $210 - $330
Occlusal therapy $38 - $400
Treatment of tissue surrounding teeth $27 - $430
Treatment of root canals $32 - $285
Placing of crowns and bridges $280 - $1,100
Dentures and/or components (partial and complete) - Limits renew every 3 years $33 - $1,300

$800 LIMIT for ORTHODONTISTS ($400 LIMIT if general dentist)

Lifetime limit $2,400 or $1,200 for services by dentists, other than orthodontists


Service Benefits
Orthodontics - orthodontist / other dentists Up to $800/$400

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

$275 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 $600 limit


Service Benefits
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $60 / $54
Exercise physiology (group / class consultations covered under Health Management Program) $40

Year 1 $600 limit


Service Benefits
Occupational therapy $72
Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations $30/$100
Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations $21/$58
HCF-approved counselling & accredited mental health social worker includes group consultations $18/$48
HCF-approved Online Cognitive Behavioural Therapy courses $35 - $59

Year 1 $300 limit


Service Benefits
Chiropractic - initial / subsequent $45 / $35
Osteopathy - initial / subsequent $50 / $40

Year 1 $300 limit

Sub-limit $300 per therapy service


Service Benefits
Remedial massage and myotherapy - initial / subsequent $40 / $35
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $40 / $35

Year 1 $250


Service Benefits
Dietetics - initial / subsequent $55
Audiology - initial / subsequent $70
Speech pathology - initial / subsequent $83
Podiatry (including 1 pair of foot orthotics per person per year) $40 / $35
Orthotist/Prosthetist and Pedorthist $25 - $135

Waiting period
Therapies (excluding foot orthotics) 2 months

Max $250 per policy


Service Benefits
Travel and Accommodation (200km round trip) $50

$280 limit


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

Max $200 per policy


Service Benefits
Artificial aids (HCF approved e.g. low vision aids) $55 - $200

$800 - $1,800


Service Benefits
Hearing aids $800 (benefits accrue and renew every three years)

$200 per person max $400 per policy


Service Benefits
Health Management Programs (HCF approved e.g. exercise classes) $200 per person/max $400 per policy

$200 per eligible child


Service Benefits
School Accident Benefit Up to $200 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.