(before any rebate or insurer discount)
Covers one adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult)
Available in Northern Territory
# 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, students up to and including the age of 30 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
This is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.
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 1 dental check-up, prescription glasses and free digital retinal imaging with an eye test, 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 | $450 per person (combined limit for general dental, major dental, endodontic & other services) | Periodic oral examination - $30.00 Scale & clean - $59.00 Fluoride treatment - $27.00 |
| Major dental | 12 | Surgical tooth extraction - $150.00 Full crown veneered - n/a | |
| Endodontic | 12 | Filling of one root canal - $136.00 | |
| Optical* | 2 | $150 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy | 2 | $250 per person (combined limit for physiotherapy & exercise physiology) | Initial visit - $46.00 Subsequent visit - $40.00 |
| Chiropractic | 2 | $120 per person (combined limit for chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services) | Initial visit - $36.00 Subsequent visit - $28.00 |
| Acupuncture | 2 | Initial visit - $34.00 Subsequent visit - $34.00 | |
| Remedial massage | 2 | Initial visit - $34.00 Subsequent visit - $34.00 | |
| Chinese medicine | 2 | Initial visit - $34.00 Subsequent visit - $34.00 | |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $30.00 Subsequent visit - $30.00 |
| Health management / Healthy lifestyle | 2 | $75 per person up to $150 per policy | Health management - $50.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $43.00 Subsequent visit - $33.00 |
| An entry-level extras cover that includes core services like dental, optical and some therapies. 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, Physiotherapy and exercise physiology group classes are covered under Health Management Programs and HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy. | |||
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Podiatry | |
| Non PBS pharmaceuticals | Psychology |
An entry level extras cover that includes core services such as dental, optical, physiotherapy and chiropractic.
In Northern Territory this policy provides:
Emergency: with a waiting period of 1 day, limited to 1 services per year.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
If you are a resident of NT and you don't have an ambulance subscription with your state ambulance service and aren't offered cover under another arrangement, you have an annual service limit of 1 per person and 2 per policy for 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.