(before any rebate, loading or discount)
Covers only one person
Available in Victoria
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or an insurer discount. Check with your insurer for details.
This is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Dental surgery | Joint reconstructions | Palliative care |
| Gastrointestinal endoscopy | Miscarriage and termination of pregnancy | Rehabilitation |
| Gynaecology | Tonsils, adenoids and grommets | |
| Hernia and appendix | Hospital psychiatric services |
| Assisted reproductive services | Digestive system | Pain management |
| Back, neck and spine | Ear, nose and throat | Pain management with device |
| Blood | Eye (not cataracts) | Plastic and reconstructive surgery (medically necessary) |
| Bone, joint and muscle | Heart and vascular system | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Brain and nervous system | Implantation of hearing devices | Pregnancy and birth |
| Breast surgery (medically necessary) | Insulin pumps | Skin |
| Cataracts | Joint replacements | Sleep studies |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Kidney and bladder | Weight loss surgery |
| Diabetes management (excluding insulin pumps) | Lung and chest | |
| Dialysis for chronic kidney failure | Male reproductive system |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $750 per policy per year.
Excess payments do not apply to hospital admissions for accidents.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
Affordable corporate hospital cover designed for the young and healthy. No excess for accident related treatment and dependants under 25. Includes involuntary unemployment assistance, accident safeguard, travel and accommodation benefits for hospital admission and cover for unlimited emergency ambulance trips. See fund rules for more information. Access to over 100 exclusive offers through HCF Thank You program. For more information visit: www.hcf.com.au/thankyou.
In Victoria this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
Cover for unlimited air, land and sea emergency ambulance trips and treatment by paramedics in Australia for services provided by recognised Ambulance Service Providers. Benefits are not payable when covered by another third party or other funding arrangement, such as a State government scheme. See fund rules for more information.
https://www.hcf.com.au/faqs/faqs-cover#what-is-ambulance-cover
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.