(before any rebate or insurer discount)
Covers only one person
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.
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 a range of no-gap services through HCF More for You programs, at HCF No Gap network providers and subject to annual limits. A higher psychology benefit ($85) 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 | No annual limit (no limit on preventative dental) | Periodic oral examination - $35.00 Scale & clean - $64.00 Fluoride treatment - $28.00 |
| Major dental | 12 | $850 per policy (combined limit for major dental, endodontic & other services) | Surgical tooth extraction - $184.00 Full crown veneered - $800.00 |
| Endodontic | 12 | Filling of one root canal - $170.00 | |
| Orthodontic | 12 | $700 per policy $2,100 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - $700.00 |
| Optical* | 2 | $250 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $180 per policy (combined limit for non pbs pharmaceuticals, vaccinations & other services) | Per eligible prescription - $50.00 |
| Physiotherapy* | 2 | $350 per policy (combined limit for physiotherapy & exercise physiology) | Initial visit - $58.00 Subsequent visit - $49.00 |
| Chiropractic* | 2 | $250 per policy (combined limit for chiropractic & osteopathy) | Initial visit - $40.00 Subsequent visit - $33.00 |
| Podiatry* | 2 | $200 per policy (combined limit for podiatry, audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy) | Initial visit - $35.00 Subsequent visit - $35.00 |
| Psychology* | 2 | $350 per policy (combined limit for psychology & occupational therapy) | Initial visit - $49.00 Subsequent visit - $49.00 |
| Acupuncture | 2 | $250 per policy (combined limit for acupuncture, remedial massage, chinese medicine & other services - Sub-limits apply) | Initial visit - $36.00 Subsequent visit - $36.00 |
| Remedial massage | 2 | Initial visit - $36.00 Subsequent visit - $36.00 | |
| Hearing aids | 12 | $600 per policy 1 service(s) every 3 years | Hearing aid - $600.00 |
| Blood glucose monitors | 12 | $45 per policy (combined limit for blood glucose monitors & other services) | Per monitor - $45.00 |
| Audiology | 2 | Combined limit - see Podiatry | Initial visit - $60.00 Subsequent visit - $60.00 |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $36.00 Subsequent visit - $36.00 |
| Dietetics/dietary advice | 2 | Combined limit - see Podiatry | Initial visit - $45.00 Subsequent visit - $45.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $33.00 Subsequent visit - $33.00 |
| Health management / Healthy lifestyle | 2 | $150 per policy | Health management - $150.00 |
| Occupational therapy | 2 | Combined limit - see Psychology | Initial visit - $62.00 Subsequent visit - $62.00 |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Podiatry | Orthotics supply & fit - $110.00 |
| Osteopathy* | 2 | Combined limit - see Chiropractic | Initial visit - $48.00 Subsequent visit - $38.00 |
| Speech therapy | 2 | Combined limit - see Podiatry | Initial visit - $60.00 Subsequent visit - $60.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $50.00 |
| Preventative and Diagnostic dental with service limits not included in annual limits. In chair treatment teeth whitening provided by a dentist, included in overall dental annual limit, service limits apply - in-chair treatment – max 8 teeth/session; applies every 36 months. Orthodontic limit for other dentists is $350 annual limit and $1,050 lifetime limit. Foot orthotics annual limit capped at Year 1. Some services have increasing limits with tenure, up to a maximum amount. See the HCF product summary for more information. Mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses) included. Travel & accommodation benefit $200/policy and school accident benefit $150/eligible person. Health management programs include HCF approved programs (e.g. exercise classes, group physio & group exercise physiology classes, weight management and learn to swim). | |||
| Other treatments - check with your insurer |
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.