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HCF

MULTICOVER ONLY

$199.06 / 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: One adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult).

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

Policy ID: HCF/I2/VNJR1Y

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

$200 per person

combined limit for acupuncture & chinese medicine

sub-limits apply

  • Initial visit: $32
  • Subsequent visit: $25
Audiology 2

$500 per person

combined limit for audiology & speech therapy

sub-limits apply

  • Initial visit: $52
  • Subsequent visit: $35
Blood glucose monitors 12

$500 per person

  • Per monitor: $150
Chinese medicine 2

$200 per person

combined limit for acupuncture & chinese medicine

sub-limits apply

  • Initial visit: $32
  • Subsequent visit: $25
Chiropractic* 2

$500 per person

combined limit for chiropractic, exercise physiology & osteopathy

sub-limits apply

  • Initial visit: $35
  • Subsequent visit: $28
Dietetics/dietary advice 2

$300 per person

  • Initial visit: $50
  • Subsequent visit: $40
Endodontic 12

$2,220 per person

combined limit for endodontic, major dental & other services

sub-limits apply

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

$500 per person

combined limit for chiropractic, exercise physiology & osteopathy

sub-limits apply

  • Initial visit: $32
  • Subsequent visit: $30
Eye therapy (orthoptics) 2

$600 per person

combined limit for eye therapy (orthoptics) & physiotherapy

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

$550 per person

  • Fluoride treatment: $27
  • Scale & clean: $69
  • Periodic oral examination: $34
Health management / Healthy lifestyle 2

$150 per person up to $300 per policy

  • Health management: $150
Hearing aids 12

$600 per person

  • Hearing aid: $600
Major dental 12

$2,220 per person

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 person

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $50
Occupational therapy 2

$500 per person

  • Initial visit: $62
  • Subsequent visit: $40
Optical* 2

$220 per person

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

$440 per person

$2,640 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $440
Orthotics (podiatric orthoses) 12

$200 per person

  • Orthotics supply & fit: $100
Osteopathy* 2

$500 per person

combined limit for chiropractic, exercise physiology & osteopathy

  • Initial visit: $40
  • Subsequent visit: $30
Physiotherapy* 2

$600 per person

combined limit for eye therapy (orthoptics) & physiotherapy

  • Initial visit: $46
  • Subsequent visit: $36
Podiatry* 2

$200 per person

  • Initial visit: $35
  • Subsequent visit: $27
Psychology* 2

$300 per person

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

$200 per person

  • Initial visit: $32
  • Subsequent visit: $25
Speech therapy 2

$500 per person

combined limit for audiology & speech therapy

sub-limits apply

  • Initial visit: $60
  • Subsequent visit: $40
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

{$200 per person}

{combined limit for acupuncture & chinese medicine}

{sub-limits apply}

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 person}

{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 person}

Examples of maximum benefits

{Per monitor: $150}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{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

{$500 per person}

{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 person}

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 person}

{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

{$500 per person}

{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 person}

{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 person}

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 person up to $300 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 person}

Examples of maximum benefits

{Hearing aid: $600}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,220 per person}

{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 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

{$500 per person}

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 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

{$440 per person}

{$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 person}

Examples of maximum benefits

{Orthotics supply & fit: $100}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{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 person}

{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 person}

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 person}

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 person}

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 person}

{combined limit for audiology & speech therapy}

{sub-limits apply}

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 person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $50}

Preventative and diagnostic dental is not included in general dental annual limit. Service limits apply. 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 ONLY

$199.06 / month

(Before Rebate, Discount & Loading)

Available in VIC

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/I2/VNJR1Y

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