(before any rebate, loading or discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in NSW & ACT
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or 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.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Assisted reproductive services | Eye (not cataracts) | Pain management |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management with device |
| Blood | Gynaecology | Palliative care |
| Bone, joint and muscle | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Brain and nervous system | Hernia and appendix | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Breast surgery (medically necessary) | Implantation of hearing devices | Pregnancy and birth |
| Cataracts | Insulin pumps | Rehabilitation |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint reconstructions | Skin |
| Dental surgery | Joint replacements | Sleep studies |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Tonsils, adenoids and grommets |
| Dialysis for chronic kidney failure | Lung and chest | Hospital psychiatric services |
| Digestive system | Male reproductive system | |
| Ear, nose and throat | Miscarriage and termination of pregnancy |
| Weight loss surgery |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess on admission. This is limited to a maximum of $250 per person and $500 per policy per year.
Excess payments do not apply to hospital admissions for accidents or dependants.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
Comprehensive hospital cover packaged with a wide range of extras. No excess for accident related treatment and dependants under 25. Includes travel and accommodation benefits for hospital admission and cover for unlimited emergency ambulance trips. See fund rules for more information. Access to over 100 exclusive offers through HCF Thank You program. For more information visit: www.hcf.com.au/thankyou.
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, and 100% back on an initial physio, chiro, osteo and podiatry consult, 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 - $32.00 Scale & clean - $67.00 Fluoride treatment - $27.00 |
| Major dental | 12 | $700 per person | Surgical tooth extraction - $165.00 Full crown veneered - $700.00 |
| Endodontic | 12 | $400 per person | Filling of one root canal - $148.00 |
| Orthodontic | 12 | $400 per person $1,200 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - $400.00 |
| Optical* | 2 | $180 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 | $600 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 | $150 per person | Initial visit - $32.00 Subsequent visit - $27.00 |
| Psychology | 2 | $300 per person | Initial visit - $26.00 Subsequent visit - $26.00 |
| Acupuncture | 2 | $250 per person (combined limit for acupuncture, remedial massage & chinese medicine) | Initial visit - $40.00 Subsequent visit - $30.00 |
| Remedial massage | 2 | Initial visit - $40.00 Subsequent visit - $30.00 | |
| Chinese medicine | 2 | Initial visit - $40.00 Subsequent visit - $30.00 | |
| Dietetics/dietary advice | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $40.00 |
| Exercise physiology | 2 | Combined limit - see Chiropractic | Initial visit - $30.00 Subsequent visit - $25.00 |
| Eye therapy (orthoptics) | 2 | Combined limit - see Physiotherapy | Initial visit - $35.00 Subsequent visit - $27.00 |
| Health management / Healthy lifestyle | 2 | $100 per person up to $200 per policy | Health management - $100.00 |
| Occupational therapy | 2 | Combined limit - see Physiotherapy | Initial visit - $41.00 Subsequent visit - $41.00 |
| Orthotics (podiatric orthoses) | 12 | $100 per person | Orthotics supply & fit - $100.00 |
| Osteopathy* | 2 | Combined limit - see Chiropractic | Initial visit - $47.00 Subsequent visit - $39.00 |
| Speech therapy | 2 | Combined limit - see Physiotherapy | Initial visit - $42.00 Subsequent visit - $42.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $50.00 |
| General dental includes basic fillings & preventative dental. Preventative & diagnostic dental have service limits which are not included in the annual limit. In chair teeth whitening treatment provided by a dentist, endodontic, periodontic & oral surgery have a combined limit of $400. A service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Crowns and bridges have a combined limit of $700. Orthodontic accrues at $400 per calendar year, up to lifetime limit of $1,200 for Orthodontist (Accrues $300 per calendar year, up to lifetime limit of $900 for General Dentist). Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses). | |||
| Blood glucose monitors | Hearing aids | Other treatments - check with your insurer |
Health Dollars Loyalty Rewards accrue for 4 years up to a max of $125 per person /$250 per family policy, per anniversary year. Health Dollars can be used to reduce hospital excess or top up current extras benefits. A higher psychology benefit ($65) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
In NSW & ACT this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
For all NSW and ACT residents who aren't offered cover under another arrangement there is 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.