(before any rebate, loading or discount)
Covers only one person
Available in Northern Territory
# 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.
| Bone, joint and muscle | Joint reconstructions | Hospital psychiatric services |
| Dental surgery | Miscarriage and termination of pregnancy | Palliative care |
| Ear, nose and throat | Skin | Rehabilitation |
| Gynaecology | Sleep studies | |
| Hernia and appendix | Tonsils, adenoids and grommets |
| Assisted reproductive services | Digestive system | Male reproductive system |
| Back, neck and spine | Eye (not cataracts) | Pain management |
| Blood | Gastrointestinal endoscopy | Pain management with device |
| Brain and nervous system | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Insulin pumps | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint replacements | Weight loss surgery |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | |
| Dialysis for chronic kidney failure | Lung and chest |
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 $250 per admission. This is limited to a maximum of $250 per person and $250 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.
An affordable and combined hospital and extras package designed for healthy young singles and couples without dependant kids. No excess for accident related treatment. Includes involuntary unemployment assistance, accident safeguard, travel and accommodation benefits for hospital admissions 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 *: Features a combined limit of $900 per person per calendar year. General dental includes 100% back on 1 check-up, 1 scale and clean and 1 fluoride at participating No Gap providers and subject to annual limit. A higher psychology benefit ($55) may apply after Medicare Mental Health Treatment Plan is used up. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $900 per policy (combined limit for general dental, major dental, endodontic, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese medicine, exercise physiology, osteopathy, vaccinations & other services) | Periodic oral examination - $29.00 Scale & clean - $57.00 Fluoride treatment - $25.00 |
| Major dental* | 12 | Surgical tooth extraction - $156.00 | |
| Endodontic* | 12 | Filling of one root canal - $138.00 | |
| Optical | 2 | $180 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy* | 2 | Combined limit - see General dental | Initial visit - $38.00 Subsequent visit - $32.00 |
| Chiropractic* | 2 | Combined limit - see General dental | Initial visit - $30.00 Subsequent visit - $26.00 |
| Psychology* | 2 | Combined limit - see General dental | Initial visit - $35.00 Subsequent visit - $35.00 |
| Acupuncture* | 2 | Combined limit - see General dental | Initial visit - $30.00 Subsequent visit - $30.00 |
| Remedial massage* | 2 | Combined limit - see General dental | Initial visit - $27.00 Subsequent visit - $27.00 |
| Chinese medicine* | 2 | Combined limit - see General dental | Initial visit - $30.00 Subsequent visit - $30.00 |
| Exercise physiology* | 2 | Combined limit - see General dental | Initial visit - $26.00 Subsequent visit - $26.00 |
| Osteopathy* | 2 | Combined limit - see General dental | Initial visit - $38.00 Subsequent visit - $36.00 |
| Vaccinations* | 2 | Combined limit - see General dental | Per service - $50.00 |
| Features a combined limit, with a separate optical limit. Includes a range of no-gap services delivered through participating physiotherapists and optical providers in selected states. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses). In chair treatment and home application teeth whitening provided by a dentist, service limits apply - in-chair treatment – max 8 teeth/session – or one take home kit; applies every 36 months. | |||
| Blood glucose monitors | Non PBS pharmaceuticals | Podiatry |
| Hearing aids | Orthodontic | Other treatments - check with your insurer |
In Northern Territory 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.