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HCF

PREMIER EXTRAS

$289.68 / month

(Before Rebate, Discount & Loading)

Available in NT

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: One adult & dependants (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 21) and students (22 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Dependent aged 18-21 inclusive

Policy ID: HCF/I15/DFIN1D

Source: Private Health Information Statement (PHIS)

Extras Cover

This policy must be purchased with a hospital policy.

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

$350 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $45
  • Subsequent visit: $35
Blood glucose monitors 12

$1,500 per person up to $3,000 per policy

combined limit for blood glucose monitors, hearing aids & other services

  • Per monitor: $150
Chinese medicine 2

$350 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $45
  • Subsequent visit: $35
Chiropractic* 2

$350 per person

combined limit for chiropractic, exercise physiology & osteopathy

  • Initial visit: $45
  • Subsequent visit: $37
Dietetics/dietary advice 2

$800 per person

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

  • Initial visit: $55
  • Subsequent visit: $55
Endodontic 12

$600 per person

  • Filling of one root canal: $179
Exercise physiology 2

$350 per person

combined limit for chiropractic, exercise physiology & osteopathy

  • Initial visit: $40
  • Subsequent visit: $40
Eye therapy (orthoptics) 2

$800 per person

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

  • Initial visit: $45
  • Subsequent visit: $38
General dental* 2

$500 per person

  • Fluoride treatment: $28
  • Scale & clean: $81
  • Periodic oral examination: $37
Health management / Healthy lifestyle 2

$200 per person up to $400 per policy

  • Health management: $200
Hearing aids* 12

$1,500 per person up to $3,000 per policy

combined limit for blood glucose monitors, hearing aids & other services

  • Hearing aid: $1000
Major dental 12

$1,000 per person

  • Surgical tooth extraction: $210
  • Full crown veneered: $900
Non PBS pharmaceuticals 2

$700 per person

combined limit for non pbs pharmaceuticals, vaccinations & other services

  • Per eligible prescription: $50
Occupational therapy 2

$800 per person

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

  • Initial visit: $72
  • Subsequent visit: $72
Optical* 2

$250 per person

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

$600 per person

$2,800 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $600
Orthotics (podiatric orthoses) 12

$150 per person

  • Orthotics supply & fit: $150
Osteopathy* 2

$350 per person

combined limit for chiropractic, exercise physiology & osteopathy

  • Initial visit: $57
  • Subsequent visit: $47
Physiotherapy* 2

$800 per person

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

  • Initial visit: $62
  • Subsequent visit: $55
Podiatry* 2

$300 per person

  • Initial visit: $45
  • Subsequent visit: $38
Psychology* 2

$600 per person

  • Initial visit: $46
  • Subsequent visit: $46
Remedial massage 2

$350 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $45
  • Subsequent visit: $35
Speech therapy 2

$800 per person

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

  • Initial visit: $83
  • Subsequent visit: $83
Vaccinations 2

$700 per person

combined limit for non pbs pharmaceuticals, vaccinations & other services

  • Per service: $50
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

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

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $35}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person up to $3,000 per policy}

{combined limit for blood glucose monitors, hearing aids & other services}

Examples of maximum benefits

{Per monitor: $150}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

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

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $35}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $37}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

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

Examples of maximum benefits

{Initial visit: $55}

{Subsequent visit: $55}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Filling of one root canal: $179}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

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

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $38}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Fluoride treatment: $28}

{Scale & clean: $81}

{Periodic oral examination: $37}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

Examples of maximum benefits

{Health management: $200}

Hearing aids*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per person up to $3,000 per policy}

{combined limit for blood glucose monitors, hearing aids & other services}

Examples of maximum benefits

{Hearing aid: $1000}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

Examples of maximum benefits

{Surgical tooth extraction: $210}

{Full crown veneered: $900}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for non pbs pharmaceuticals, vaccinations & other services}

Examples of maximum benefits

{Per eligible prescription: $50}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

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

Examples of maximum benefits

{Initial visit: $72}

{Subsequent visit: $72}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

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

{$600 per person}

{$2,800 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $600}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Orthotics supply & fit: $150}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $57}

{Subsequent visit: $47}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

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

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $55}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $38}

Psychology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Initial visit: $46}

{Subsequent visit: $46}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

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

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $35}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

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

Examples of maximum benefits

{Initial visit: $83}

{Subsequent visit: $83}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for non pbs pharmaceuticals, vaccinations & other services}

Examples of maximum benefits

{Per service: $50}

Dental check-ups with service limits not in annual limits. A combined limit of $600 includes Endodontic, periodontic, oral surgery & In chair teeth whitening treatment provided by a dentist, a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Crowns & Bridges, $1000. Dentures limit of $900 renews every 3 yrs. Orthodontic lifetime limit of $2,200 for other dentist. $240 annual limit for orthopaedic shoes with $150 sub-limit on foot orthotics (foot orthotics limited to 1 pair/person/year). Benefits for HCF-approved artificial aids & hearing aids are included when taken with Top Hospital Gold. Hearing aids limit renews every 3 yrs. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses).

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: Health Dollars Loyalty Rewards accrue for 4 years up to a max $200/person/$400/policy/year. These can be used to reduce hospital excess or top up current extras benefits. A higher psychology benefit ($80) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.

Ambulance cover

In NT 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 NT 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

PREMIER EXTRAS

$289.68 / month

(Before Rebate, Discount & Loading)

Available in NT

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/I15/DFIN1D

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