(before any rebate or insurer discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in NSW & ACT
# 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 *: Includes 100% back on 2 dental check-ups, 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 | $700 per person (combined limit for general dental, major dental, endodontic & other services) | Periodic oral examination - $33.00 Scale & clean - $62.00 Fluoride treatment - $27.00 |
| Major dental | 12 | Surgical tooth extraction - $167.00 Full crown veneered - $600.00 | |
| Endodontic | 12 | Filling of one root canal - $165.00 | |
| Optical* | 2 | $200 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy | 2 | $350 per person (combined limit for physiotherapy & exercise physiology) | Initial visit - $56.00 Subsequent visit - $49.00 |
| Chiropractic | 2 | $150 per person (combined limit for chiropractic, acupuncture, remedial massage, chinese medicine, osteopathy & other services) | Initial visit - $38.00 Subsequent visit - $31.00 |
| Acupuncture | 2 | Initial visit - $36.00 Subsequent visit - $36.00 | |
| Remedial massage | 2 | Initial visit - $36.00 Subsequent visit - $36.00 | |
| Chinese medicine | 2 | Initial visit - $36.00 Subsequent visit - $36.00 | |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $33.00 Subsequent visit - $33.00 |
| Health management / Healthy lifestyle | 2 | $50 per person up to $100 per policy | Health management - $50.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $46.00 Subsequent visit - $36.00 |
| Vaccinations | 2 | $100 per person | Per service - $50.00 |
| Includes mental health services such as; HCF-approved counselling, accredited mental health social worker - includes group/individual consultations and HCF-approved Online Cognitive Behavioural Therapy courses. In chair teeth whitening treatment provided by a dentist - benefit $50 per person with a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. | |||
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Podiatry | |
| Non PBS pharmaceuticals | Psychology |
Health management programs include HCF approved programs (e.g. exercise classes, group physiotherapy and group exercise physiology classes, weight management, learn to swim, antenatal and postnatal services including childbirth education and breastfeeding consultations).
In NSW & ACT 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.
For NSW and ACT residents who aren't offered cover under another arrangement there is unlimited emergency ambulance cover received within NSW or the ACT. For emergency ambulance services received outside of NSW or ACT there is 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.