(before any rebate, loading or discount)
Covers only one person
Available in Tasmania
Closed to new members
# 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 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.
| Assisted reproductive services | Eye (not cataracts) | Pain management |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management with device |
| Blood | Gynaecology | Palliative care |
| Bone, joint and muscle | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Brain and nervous system | Hernia and appendix | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Breast surgery (medically necessary) | Implantation of hearing devices | Pregnancy and birth |
| Cataracts | Insulin pumps | Rehabilitation |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint reconstructions | Skin |
| Dental surgery | Joint replacements | Sleep studies |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Tonsils, adenoids and grommets |
| Dialysis for chronic kidney failure | Lung and chest | Hospital psychiatric services |
| Digestive system | Male reproductive system | |
| Ear, nose and throat | Miscarriage and termination of pregnancy |
| Weight loss surgery |
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.
Comprehensive hospital cover for peace of mind. No excess for accident related treatment and dependants under 25. Includes 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.
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 *: Includes 100% back on 2 dental check-ups, prescription glasses and free digital retinal imaging with an eye test, and 100% back on an initial physio, chiro, osteo and podiatry consult, at participating providers and subject to annual limits. A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $550 per policy | Periodic oral examination - $34.00 Scale & clean - $69.00 Fluoride treatment - $27.00 |
| Major dental | 12 | $2,220 per policy (combined limit for major dental, endodontic & other services - Sub-limits apply) | Surgical tooth extraction - $182.00 Full crown veneered - $580.00 |
| Endodontic | 12 | Filling of one root canal - $164.00 | |
| Orthodontic | 12 | $440 per policy $2,640 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - $440.00 |
| Optical* | 2 | $220 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $600 per policy (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - $50.00 |
| Physiotherapy* | 2 | $600 per policy (combined limit for physiotherapy & eye therapy (orthoptics)) | Initial visit - $46.00 Subsequent visit - $36.00 |
| Chiropractic* | 2 | $600 per policy (combined limit for chiropractic, exercise physiology & osteopathy - Sub-limits apply) | Initial visit - $35.00 Subsequent visit - $28.00 |
| Podiatry* | 2 | $200 per policy | Initial visit - $35.00 Subsequent visit - $27.00 |
| Psychology* | 2 | $300 per policy | Initial visit - $44.00 Subsequent visit - $44.00 |
| Acupuncture | 2 | $200 per policy (combined limit for acupuncture & chinese medicine - Sub-limits apply) | Initial visit - $32.00 Subsequent visit - $25.00 |
| Remedial massage | 2 | $200 per policy | Initial visit - $32.00 Subsequent visit - $25.00 |
| Hearing aids | 12 | $600 per policy 1 appliance(s) every 3 years | Hearing aid - $600.00 |
| Blood glucose monitors | 12 | $500 per policy 1 appliance(s) every 3 years (combined limit for blood glucose monitors & other services) | Per monitor - $150.00 |
| Audiology | 2 | $500 per policy (combined limit for audiology & speech therapy - Sub-limits apply) | Initial visit - $52.00 Subsequent visit - $35.00 |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $32.00 Subsequent visit - $25.00 |
| Dietetics/dietary advice | 2 | $300 per policy | Initial visit - $50.00 Subsequent visit - $40.00 |
| Exercise physiology | 2 | Combined limit - see Chiropractic | Initial visit - $32.00 Subsequent visit - $30.00 |
| Eye therapy (orthoptics) | 2 | Combined limit - see Physiotherapy | Initial visit - $32.00 Subsequent visit - $32.00 |
| Health management / Healthy lifestyle | 2 | $150 per policy | Health management - $150.00 |
| Occupational therapy | 2 | $500 per policy | Initial visit - $62.00 Subsequent visit - $40.00 |
| Orthotics (podiatric orthoses) | 12 | $200 per policy | Orthotics supply & fit - $100.00 |
| Osteopathy* | 2 | Combined limit - see Chiropractic | Initial visit - $40.00 Subsequent visit - $30.00 |
| Speech therapy | 2 | Combined limit - see Audiology | Initial visit - $60.00 Subsequent visit - $40.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $50.00 |
| See product summary for further details regarding dental limits. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses). Orthodontic lifetime limit for other dentists is a maximum of $1,000. | |||
| Other treatments - check with your insurer |
A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.
If you are a resident of TAS, you're covered under your state ambulance service scheme in TAS only. In other states (excluding QLD and SA), you are covered under the state agreements for emergency road ambulance only. If you aren't offered cover under any arrangement, you unlimited 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.