(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 South Australia
# 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.
This is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.
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 *: Choose any 4 services marked with an asterisk* in the list below: Major Dental & Endodontic count as 1 selection, Chiropractic & Osteopathy count as 1 selection, Physio & Exercise Physiology count as 1 selection, Mental Health Services includes Psychology, OCBT, Social Worker, & Counselling and counts as 1 selection, Natural Therapies includes Remedial Massage, Myotherapy, Chinese Herbal Medicine & Acupuncture and counts as 1 selection, Ante-natal & Post-natal consultations are included in Health Management Programs. General dental includes 100% back on 1 check-up, 1 scale and clean and 1 fluoride at participating No Gap providers, 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 (no limit on preventative dental) | Periodic oral examination - 65% of charge Scale & clean - 65% of charge Fluoride treatment - 65% of charge |
| Major dental* | 12 | $500 per person (combined limit for major dental & endodontic) | Surgical tooth extraction - 65% of charge Full crown veneered - 65% of charge |
| Endodontic* | 12 | Filling of one root canal - 65% of charge | |
| Orthodontic* | 12 | $450 per person $1,950 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - 65% of charge |
| Optical* | 2 | $225 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy* | 2 | $350 per person (combined limit for physiotherapy & exercise physiology) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Chiropractic* | 2 | $200 per person (combined limit for chiropractic & osteopathy) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Podiatry* | 2 | $200 per person (combined limit for podiatry & other services) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Psychology* | 2 | $300 per person (combined limit for psychology & other services) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Acupuncture* | 2 | $200 per person (combined limit for acupuncture, remedial massage & chinese medicine) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Remedial massage* | 2 | Initial visit - 65% of charge Subsequent visit - 65% of charge | |
| Ante-natal/Post-natal classes* | 2 | $125 per person (combined limit for ante-natal/post-natal classes, health management / healthy lifestyle & other services) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Chinese medicine* | 2 | Combined limit - see Acupuncture | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Dietetics/dietary advice* | 2 | $200 per person | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Exercise physiology* | 2 | Combined limit - see Physiotherapy | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Health management / Healthy lifestyle* | 2 | Combined limit - see Ante-natal/Post-natal classes | Health management - 65% of charge |
| Occupational therapy* | 2 | $300 per person (combined limit for occupational therapy & speech therapy) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Osteopathy* | 2 | Combined limit - see Chiropractic | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Speech therapy* | 2 | Combined limit - see Occupational therapy | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Vaccinations* | 2 | $180 per person | Per service - 65% of charge |
| Loyalty annual limits apply to selected services. Annual limits displayed are at Year 1 limits. Members have the flexibility to swap service selections as needed, within the calendar year, as long as a claim has not been made on that service. Waiting periods and fund rules apply. | |||
| Blood glucose monitors | Non PBS pharmaceuticals |
| Hearing aids | Other treatments - check with your insurer |
In South Australia 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.
If you are a resident of SA and you don't have an ambulance subscription with your state ambulance service and aren't offered cover under another arrangement, you have 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.