(before any rebate or insurer discount)
Covers one adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult)
Available in NSW & ACT
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This policy covers children, students up to and including the age of 30 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
Our nationwide network of No-Gap participating providers gives you access to comprehensive extras cover at an affordable price. Find out more See https://www.hcf.com.au/locations/find-a-participating-provider.
| Note, for items marked with an asterisk *: General dental includes 100% back on 1 check-up at participating providers and subject to annual limit. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $350 per person up to $700 per policy (combined limit for general dental & other services) | Periodic oral examination - $29.00 Scale & clean - $57.00 Fluoride treatment - $25.00 |
| Physiotherapy | 2 | $150 per person up to $300 per policy (combined limit for physiotherapy, chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services) | Initial visit - $40.00 Subsequent visit - $35.00 |
| Chiropractic | 2 | Initial visit - $33.00 Subsequent visit - $28.00 | |
| Acupuncture | 2 | Initial visit - $30.00 Subsequent visit - $30.00 | |
| Remedial massage | 2 | Initial visit - $30.00 Subsequent visit - $30.00 | |
| Chinese medicine | 2 | Initial visit - $30.00 Subsequent visit - $30.00 | |
| Osteopathy | 2 | Initial visit - $40.00 Subsequent visit - $36.00 | |
| HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy. Other services include simple extractions, direct fillings (1-2 surfaces) and In chair teeth whitening treatment provided by a dentist with a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months, under the combined general dental limit. Myotherapy service under the combined physiotherapy, chiropractic, osteopathy and natural therapy limit. | |||
| Blood glucose monitors | Non PBS pharmaceuticals | Psychology |
| Endodontic | Optical | Other treatments - check with your insurer |
| Hearing aids | Orthodontic | |
| Major dental | Podiatry |
A basic extras option that covers general dental and selected therapies at a budget-friendly, entry level price.
In NSW & ACT this policy provides:
Emergency: with a waiting period of 1 day, limited to 1 services per year.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
For NSW and ACT residents who aren't offered cover under another arrangement there is unlimited emergency ambulance cover received within NSW or the ACT. For emergency ambulance services received outside of NSW or ACT there is an annual service limit of 1 per person and 2 per policy for emergency ambulance services provided by state Ambulance Service Providers.
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.