(before any rebate or insurer discount)
Covers 2 adults (and no-one else)
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 an insurer discount. Check with your insurer for details.
This policy must be purchased with a hospital policy.
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 *: 100% back on 2 dental check-ups, prescription glasses and free digital retinal imaging with an eye test, an initial physio, chiro, osteo, podiatry consult as well as 100% back on high quality hearing aids. Available at participating providers and subject to annual limits. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $400 per person | Periodic oral examination - $33.00 Scale & clean - $67.00 Fluoride treatment - $27.00 |
| Major dental | 12 | $700 per person | Surgical tooth extraction - $165.00 Full crown veneered - $650.00 |
| Endodontic | 12 | $400 per person | Filling of one root canal - $148.00 |
| Orthodontic | 12 | $400 per person $1,800 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - $400.00 |
| Optical* | 2 | $200 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $600 per person (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - $50.00 |
| Physiotherapy* | 2 | $700 per person (combined limit for physiotherapy, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy & speech therapy) | Initial visit - $51.00 Subsequent visit - $47.00 |
| Chiropractic* | 2 | $350 per person (combined limit for chiropractic, exercise physiology & osteopathy) | Initial visit - $37.00 Subsequent visit - $32.00 |
| Podiatry* | 2 | $200 per person | Initial visit - $36.00 Subsequent visit - $30.00 |
| Acupuncture | 2 | $300 per person (combined limit for acupuncture, remedial massage & chinese medicine) | Initial visit - $35.00 Subsequent visit - $25.00 |
| Remedial massage | 2 | Initial visit - $35.00 Subsequent visit - $25.00 | |
| Chinese medicine | 2 | Initial visit - $35.00 Subsequent visit - $20.00 | |
| Dietetics/dietary advice | 2 | Combined limit - see Physiotherapy | Initial visit - $45.00 Subsequent visit - $45.00 |
| Exercise physiology | 2 | Combined limit - see Chiropractic | Initial visit - $32.00 Subsequent visit - $32.00 |
| Eye therapy (orthoptics) | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $32.00 |
| Health management / Healthy lifestyle | 2 | $150 per person up to $300 per policy | Health management - $150.00 |
| Occupational therapy | 2 | Combined limit - see Physiotherapy | Initial visit - $62.00 Subsequent visit - $62.00 |
| Orthotics (podiatric orthoses) | 12 | $120 per person | Orthotics supply & fit - $120.00 |
| Osteopathy* | 2 | Combined limit - see Chiropractic | Initial visit - $47.00 Subsequent visit - $39.00 |
| Speech therapy | 2 | Combined limit - see Physiotherapy | Initial visit - $60.00 Subsequent visit - $60.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $50.00 |
| General dental has service limits which are not included in the annual limit. A combined limit of $400 includes Endodontic, periodontic, oral surgery & In chair teeth whitening treatment provided by a dentist, a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Crowns, bridges and dentures have a combined annual limit of $700. Limit for dentures renews every 3 years. p. The $400 endodontic limit includes surgical extractions and periodontic services. The orthodontic limit accrues annually up to a lifetime limit of $1,800 for an Orthodontist ($1,500 for General Dentist). Foot orthotics limited to 1 pair per person per year. HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy. For selected therapies, benefits are lower after 14 visits. | |||
| Blood glucose monitors | Psychology |
| Hearing aids | Other treatments - check with your insurer |
Cover includes Health Management Programs to a limit of $150 per person /$300 per policy. Health Dollars Loyalty Rewards apply to a max after 4 years of $200 per person /$400 per family policy. Health Dollars Loyalty Rewards can be used to reduce hospital excess or top up current extras benefits.
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 state reciprocal agreements for emergency road ambulance only. If you aren't offered cover under any arrangement, you have 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.