HCF

SMART EXTRAS

$171.48 / month

(Before Rebate, Discount & Loading)

Available in WA

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/I16/WFIE1D

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

$300 per person

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $35
Subsequent visit: $25

Chinese medicine 2

$300 per person

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $35
Subsequent visit: $20

Chiropractic* 2

$350 per person

combined limit for chiropractic, exercise physiology & osteopathy

Initial visit: $37
Subsequent visit: $32

Dietetics/dietary advice 2

$700 per person

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

Initial visit: $45
Subsequent visit: $45

Endodontic 12

$400 per person

Filling of one root canal: $148

Exercise physiology 2

$350 per person

combined limit for chiropractic, exercise physiology & osteopathy

Initial visit: $32
Subsequent visit: $32

Eye therapy (orthoptics) 2

$700 per person

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

Initial visit: $40
Subsequent visit: $32

General dental* 2

$400 per person

Fluoride treatment: $27
Scale & clean: $67
Periodic oral examination: $33

Health management / Healthy lifestyle 2

$150 per person up to $300 per policy

Health management: $150

Major dental 12

$700 per person

Surgical tooth extraction: $165
Full crown veneered: $650

Non PBS pharmaceuticals 2

$600 per person

combined limit for non pbs pharmaceuticals & vaccinations

Per eligible prescription: $50

Occupational therapy 2

$700 per person

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

Initial visit: $62
Subsequent visit: $62

Optical* 2

$200 per person

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

Orthodontic 12

$400 per person

$1,800 lifetime limit

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

Orthotics (podiatric orthoses) 12

$120 per person

Orthotics supply & fit: $120

Osteopathy* 2

$350 per person

combined limit for chiropractic, exercise physiology & osteopathy

Initial visit: $47
Subsequent visit: $39

Physiotherapy* 2

$700 per person

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

Initial visit: $51
Subsequent visit: $47

Podiatry* 2

$200 per person

Initial visit: $36
Subsequent visit: $30

Remedial massage 2

$300 per person

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $35
Subsequent visit: $25

Speech therapy 2

$700 per person

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

Initial visit: $60
Subsequent visit: $60

Vaccinations 2

$600 per person

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 person}

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

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $25}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{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 person}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $37}

{Subsequent visit: $32}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 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: $45}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Filling of one root canal: $148}

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: $32}

{Subsequent visit: $32}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{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

{$400 per person}

Examples of maximum benefits

{Fluoride treatment: $27}

{Scale & clean: $67}

{Periodic oral examination: $33}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person up to $300 per policy}

Examples of maximum benefits

{Health management: $150}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

Examples of maximum benefits

{Surgical tooth extraction: $165}

{Full crown veneered: $650}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{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

{$700 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: $62}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 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

{$400 per person}

{$1,800 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 person}

Examples of maximum benefits

{Orthotics supply & fit: $120}

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: $47}

{Subsequent visit: $39}

Physiotherapy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

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

Examples of maximum benefits

{Initial visit: $51}

{Subsequent visit: $47}

Podiatry*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $30}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

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

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $25}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{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

{$600 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $50}

General dental has service limits which are not included in the annual limit. A combined limit of $400 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 and dentures have a combined annual limit of $700. Limit for dentures renews every 3 years. p. The $400 endodontic limit includes surgical extractions and periodontic services. The orthodontic limit accrues annually up to a lifetime limit of $1,800 for an Orthodontist ($1,500 for General Dentist). Foot orthotics limited to 1 pair per person per year. HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy. For selected therapies, benefits are lower after 14 visits.

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

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Hearing aids

Home nursing

Psychology

Other features of this general treatment cover: Cover includes Health Management Programs to a limit of $150 per person /$300 per policy. Health Dollars Loyalty Rewards apply to a max after 4 years of $200 per person /$400 per family policy. Health Dollars Loyalty Rewards can be used to reduce hospital excess or top up current extras benefits.

Ambulance cover

In WA 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 WA 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

SMART EXTRAS

$171.48 / month

(Before Rebate, Discount & Loading)

Available in WA

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Go to site Sponsor link

HCF

http://www.hcf.com.au

service@hcf.com.au

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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/I16/WFIE1D

SMART EXTRAS

Policy ID: HCF/I16/WFIE1D

Extras Cover

Ambulance cover

Insurer Details

HCF

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