(before any rebate or insurer discount)
Covers one adult & dependants (2 or more people, only one of whom is an adult)
Available in Queensland
# 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 and other dependants up to and including the age of 21, students up to and including the age of 30, as well as persons with a disability who qualify as a child or other dependant or 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 | $400 per person up to $800 per policy (combined limit for general dental & other services) | Periodic oral examination - $29.00 Scale & clean - $57.00 Fluoride treatment - $25.00 |
| Optical | 2 | $100 per person up to $200 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy | 2 | $200 per person up to $400 per policy | Initial visit - $42.00 Subsequent visit - $36.00 |
| Chiropractic | 2 | $100 per person up to $200 per policy (combined limit for chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services) | 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 | Major dental | Podiatry |
| Endodontic | Non PBS pharmaceuticals | Psychology |
| Hearing aids | Orthodontic | Other treatments - check with your insurer |
A basic extras cover that includes the essentials like general dental, optical and selected therapies.
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
If you are a resident of QLD you're covered under your state ambulance service scheme Australia-wide and benefits for ambulance services are not payable under your HCF policy.
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.