HCF

MULTICOVER

$90.44 / month

(Before Rebate, Discount & Loading)

Available in VIC

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: Only one person.

Policy ID: HCF/I1/VDZY10

Source: Private Health Information Statement (PHIS)

Extras Cover

This policy can only be purchased with certain hospital policies.

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.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Acupuncture 2

$200 per policy

combined limit for acupuncture & chinese medicine

Initial visit: $32
Subsequent visit: $25

Audiology 2

$500 per policy

combined limit for audiology & speech therapy

sub-limits apply

Initial visit: $52
Subsequent visit: $35

Blood glucose monitors 12

$500 per policy

Per monitor: $150

Chinese medicine 2

$200 per policy

combined limit for acupuncture & chinese medicine

sub-limits apply

Initial visit: $32
Subsequent visit: $25

Chiropractic* 2

$600 per policy

combined limit for chiropractic, exercise physiology & osteopathy

sub-limits apply

Initial visit: $35
Subsequent visit: $28

Dietetics/dietary advice 2

$300 per policy

Initial visit: $50
Subsequent visit: $40

Endodontic 12

$2,220 per policy

combined limit for endodontic, major dental & other services

sub-limits apply

Filling of one root canal: $164

Exercise physiology 2

$600 per policy

combined limit for chiropractic, exercise physiology & osteopathy

sub-limits apply

Initial visit: $32
Subsequent visit: $30

Eye therapy (orthoptics) 2

$600 per policy

combined limit for eye therapy (orthoptics) & physiotherapy

Initial visit: $32
Subsequent visit: $32

General dental* 2

$550 per policy

sub-limits apply

Fluoride treatment: $27
Scale & clean: $69
Periodic oral examination: $34

Health management / Healthy lifestyle 2

$150 per policy

Health management: $150

Hearing aids 12

$600 per policy

Hearing aid: $600

Major dental 12

$2,220 per policy

combined limit for endodontic, major dental & other services

sub-limits apply

Surgical tooth extraction: $182
Full crown veneered: $580

Non PBS pharmaceuticals 2

$600 per policy

combined limit for non pbs pharmaceuticals & vaccinations

Per eligible prescription: $50

Occupational therapy 2

$500 per policy

Initial visit: $62
Subsequent visit: $40

Optical* 2

$220 per policy

Multi-focal lenses & frames: 100% of charge
Single vision lenses & frames: 100% of charge

Orthodontic 12

$440 per policy

$2,640 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: $440

Orthotics (podiatric orthoses) 12

$200 per policy

Orthotics supply & fit: $100

Osteopathy* 2

$600 per policy

combined limit for chiropractic, exercise physiology & osteopathy

Initial visit: $40
Subsequent visit: $30

Physiotherapy* 2

$600 per policy

combined limit for eye therapy (orthoptics) & physiotherapy

Initial visit: $46
Subsequent visit: $36

Podiatry* 2

$200 per policy

Initial visit: $35
Subsequent visit: $27

Psychology* 2

$300 per policy

Initial visit: $44
Subsequent visit: $44

Remedial massage 2

$200 per policy

Initial visit: $32
Subsequent visit: $25

Speech therapy 2

$500 per policy

combined limit for audiology & speech therapy

Initial visit: $60
Subsequent visit: $40

Vaccinations 2

$600 per policy

combined limit for non pbs pharmaceuticals & vaccinations

Per service: $50

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture & chinese medicine}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $25}

Audiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for audiology & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $52}

{Subsequent visit: $35}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

Examples of maximum benefits

{Per monitor: $150}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture & chinese medicine}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $25}

Chiropractic*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for chiropractic, exercise physiology & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $28}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $40}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$2,220 per policy}

{combined limit for endodontic, major dental & other services}

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: $164}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for chiropractic, exercise physiology & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $30}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for eye therapy (orthoptics) & physiotherapy}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$550 per policy}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: $27}

{Scale & clean: $69}

{Periodic oral examination: $34}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

Examples of maximum benefits

{Health management: $150}

Hearing aids

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

Examples of maximum benefits

{Hearing aid: $600}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$2,220 per policy}

{combined limit for endodontic, major dental & other services}

{sub-limits apply}

Examples of maximum benefits

{Surgical tooth extraction: $182}

{Full crown veneered: $580}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $50}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $40}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$220 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$440 per policy}

{$2,640 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $440}

Orthotics (podiatric orthoses)

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Orthotics supply & fit: $100}

Osteopathy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Physiotherapy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for eye therapy (orthoptics) & physiotherapy}

Examples of maximum benefits

{Initial visit: $46}

{Subsequent visit: $36}

Podiatry*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $27}

Psychology*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Initial visit: $44}

{Subsequent visit: $44}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $25}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for audiology & speech therapy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $40}

Vaccinations

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $50}

Preventative & diagnostic dental has service limits. General dental limit of $550 is for direct filings. Endodontic, periodontics, oral surgery & occlusal treatment - combined limit of $500. Crowns & Bridges - $800 annual limit. Dentures - $800 every 3 yrs. Orthodontic lifetime limit for other dentists is a max of $1,000. Increasing loyalty limits apply for some services. Mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses) included.

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes

Home nursing

Ambulance cover

In VIC 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.

Other features of this ambulance cover: If you are a resident of VIC and you don't have an ambulance subscription with your state ambulance service and aren't offered cover under another arrangement, you have unlimited emergency ambulance services provided by state Ambulance Service Providers.

For further information about this policy see: https://www.hcf.com.au/faqs/faqs-cover#what-is-ambulance-cover

Insurer Details

HCF

MULTICOVER

$90.44 / month

(Before Rebate, Discount & Loading)

Available in VIC

13 13 34 Sponsor link

Go to site Sponsor link

HCF

http://www.hcf.com.au

service@hcf.com.au

13 13 34

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/HCF/I1/VDZY10

MULTICOVER

Policy ID: HCF/I1/VDZY10

Extras Cover

Ambulance cover

Insurer Details

HCF

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