HCF

HCF STARTER EXTRAS (WITH OPTICAL)

$61.28 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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: Two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults).

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/I21/NIMF2Y

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

$100 per person up to $200 per policy

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

Initial visit: $30
Subsequent visit: $30

Chinese medicine 2

$100 per person up to $200 per policy

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

Initial visit: $30
Subsequent visit: $30

Chiropractic 2

$100 per person up to $200 per policy

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

Initial visit: $33
Subsequent visit: $28

General dental* 2

$400 per person up to $800 per policy

Fluoride treatment: $25
Scale & clean: $57
Periodic oral examination: $29

Optical 2

$100 per person up to $200 per policy

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

Osteopathy 2

$100 per person up to $200 per policy

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

Initial visit: $40
Subsequent visit: $36

Physiotherapy 2

$200 per person up to $400 per policy

Initial visit: $42
Subsequent visit: $36

Remedial massage 2

$100 per person up to $200 per policy

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

Initial visit: $30
Subsequent visit: $30

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

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

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

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

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

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

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $28}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $800 per policy}

Examples of maximum benefits

{Fluoride treatment: $25}

{Scale & clean: $57}

{Periodic oral examination: $29}

Optical

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

Examples of maximum benefits

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

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

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

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

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $36}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $36}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

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

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy. Other services include simple extractions, direct fillings (1-2 surfaces) and In chair teeth whitening treatment provided by a dentist with a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months, under the combined general dental limit. Myotherapy service under the combined physiotherapy, chiropractic, osteopathy and natural therapy limit.

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

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Dietetics/dietary advice

Endodontic

Exercise physiology

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Major dental

Non PBS pharmaceuticals

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Podiatry

Psychology

Speech therapy

Vaccinations

Other features of this general treatment cover: A basic extras cover that includes the essentials like general dental, optical and selected therapies.

Ambulance cover

In NSW & ACT this policy provides:

Emergency: With a waiting period of 1 day, limited to 1 service per year.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: For NSW and ACT residents who aren't offered cover under another arrangement there is unlimited emergency ambulance cover received within NSW or the ACT. For emergency ambulance services received outside of NSW or ACT there is an annual service limit of 1 per person and 2 per policy for 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

HCF STARTER EXTRAS (WITH OPTICAL)

$61.28 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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/I21/NIMF2Y

HCF STARTER EXTRAS (WITH OPTICAL)

Policy ID: HCF/I21/NIMF2Y

Extras Cover

Ambulance cover

Insurer Details

HCF

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