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HCF

HEALTHCOVER EXTRAS ONLY

$108.52 / month

(Before Rebate, Discount & Loading)

Available in TAS

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/I14/TANX10

Source: Private Health Information Statement (PHIS)

Extras Cover

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

$300 per policy

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: $35
  • Subsequent visit: $27
Blood glucose monitors 24

$1,000 per policy

combined limit for blood glucose monitors & hearing aids

  • Per monitor: $1000
Chinese medicine 2

$300 per policy

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: $35
  • Subsequent visit: $20
Chiropractic* 2

$350 per policy

combined limit for chiropractic, exercise physiology & osteopathy

  • Initial visit: $40
  • Subsequent visit: $35
Dietetics/dietary advice 2

$750 per policy

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

  • Initial visit: $45
  • Subsequent visit: $45
Endodontic 12

$550 per policy

  • Filling of one root canal: $164
Exercise physiology 2

$350 per policy

combined limit for chiropractic, exercise physiology & osteopathy

  • Initial visit: $35
  • Subsequent visit: $35
Eye therapy (orthoptics) 2

$750 per policy

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

  • Initial visit: $40
  • Subsequent visit: $32
General dental* 2

$450 per policy

  • Fluoride treatment: $27
  • Scale & clean: $74
  • Periodic oral examination: $34
Health management / Healthy lifestyle 2

$150 per policy

  • Health management: $150
Hearing aids* 12

$1,000 per policy

combined limit for blood glucose monitors & hearing aids

  • Hearing aid: $1000
Major dental 12

$750 per policy

  • Surgical tooth extraction: $210
  • Full crown veneered: $750
Non PBS pharmaceuticals 2

$700 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $50
Occupational therapy 2

$750 per policy

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

  • Initial visit: $62
  • Subsequent visit: $62
Optical* 2

$210 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthodontic 12

$400 per policy

$2,200 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $400
Orthotics (podiatric orthoses) 12

$120 per policy

  • Orthotics supply & fit: $120
Osteopathy* 2

$350 per policy

combined limit for chiropractic, exercise physiology & osteopathy

  • Initial visit: $50
  • Subsequent visit: $40
Physiotherapy* 2

$750 per policy

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

  • Initial visit: $55
  • Subsequent visit: $49
Podiatry* 2

$250 per policy

  • Initial visit: $36
  • Subsequent visit: $32
Psychology 2

$300 per policy

  • Initial visit: $44
  • Subsequent visit: $44
Remedial massage 2

$300 per policy

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: $35
  • Subsequent visit: $27
Speech therapy 2

$750 per policy

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

  • Initial visit: $60
  • Subsequent visit: $60
Vaccinations 2

$700 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

{$300 per policy}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $27}

Blood glucose monitors

Waiting period:  24 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for blood glucose monitors & hearing aids}

Examples of maximum benefits

{Per monitor: $1000}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $20}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $35}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per policy}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$550 per policy}

Examples of maximum benefits

{Filling of one root canal: $164}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per policy}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $32}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

Examples of maximum benefits

{Fluoride treatment: $27}

{Scale & clean: $74}

{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

{$1,000 per policy}

{combined limit for blood glucose monitors & hearing aids}

Examples of maximum benefits

{Hearing aid: $1000}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$750 per policy}

Examples of maximum benefits

{Surgical tooth extraction: $210}

{Full crown veneered: $750}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 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

{$750 per policy}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $62}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$210 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

{$400 per policy}

{$2,200 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $400}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$120 per policy}

Examples of maximum benefits

{Orthotics supply & fit: $120}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $40}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per policy}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $55}

{Subsequent visit: $49}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $32}

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

{$300 per policy}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $27}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$750 per policy}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $60}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $50}

Preventative & Diagnostic dental have service limits which are not included in the anual limit. Orthodontic accrues annually up to a lifetime limit of $2,200 for Orthodontist ($1,800 for General Dentist). Dentures - $700 limit renews every 3 years from the date of service. Crowns & bridges receive an increased annual limit of $1,000 after 5 years membership. Endodontic limit ($550) includes In chair teeth whitening treatment provided by a dentist, surgical extractions and periodontic services. A service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses) included. A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year. Hearing aid limit renews every 3 years from the date of service. $185 annual limit for orthopeadic shoes with a $150 sub-limit on foot orthotics (foot orthotics limited to 1 pair per person per year).

This policy does not include General treatment (Extras) cover for
Ante-natal/Post-natal classes
Audiology
Home nursing

Other features of this general treatment cover: Healthcover Extras is a medium level of extras. Includes Health Management Programs to a limit of $150 per person/$300 per policy.

Ambulance cover

Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.

Other features of this ambulance cover: If you are a resident of TAS, you're covered under your state ambulance service scheme in TAS only. In other states (excluding QLD and SA), you are covered under state reciprocal agreements for emergency road ambulance only. If you aren't offered cover under any 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

HEALTHCOVER EXTRAS ONLY

$108.52 / month

(Before Rebate, Discount & Loading)

Available in TAS

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/I14/TANX10

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