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HCF

HCF VITAL EXTRAS

$91.23 / month

(Before Rebate, Discount & Loading)

Available in QLD

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/I23/QIPQ10

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

$250 per policy

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

sub-limits apply

  • Initial visit: $36
  • Subsequent visit: $36
Audiology 2

$200 per policy

combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: $60
  • Subsequent visit: $60
Blood glucose monitors 12

$45 per policy

  • Per monitor: $45
Chinese medicine 2

$250 per policy

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

sub-limits apply

  • Initial visit: $36
  • Subsequent visit: $36
Chiropractic* 2

$250 per policy

combined limit for chiropractic & osteopathy

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

$200 per policy

combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & speech therapy

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

$850 per policy

combined limit for endodontic, major dental & other services

  • Filling of one root canal: $170
Exercise physiology 2

$350 per policy

combined limit for exercise physiology & physiotherapy

  • Initial visit: $33
  • Subsequent visit: $33
General dental* 2

No annual limit

  • Fluoride treatment: $28
  • Scale & clean: $65
  • Periodic oral examination: $35
Health management / Healthy lifestyle 2

$150 per policy

  • Health management: $150
Hearing aids 12

$600 per policy

  • Hearing aid: $600
Major dental 12

$850 per policy

combined limit for endodontic, major dental & other services

  • Surgical tooth extraction: $184
  • Full crown veneered: $850
Non PBS pharmaceuticals 2

$180 per policy

combined limit for non pbs pharmaceuticals, vaccinations & other services

  • Per eligible prescription: $50
Occupational therapy 2

$350 per policy

combined limit for occupational therapy & psychology

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

$250 per policy

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

$700 per policy

$2,100 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $700
Orthotics (podiatric orthoses) 12

$200 per policy

combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & speech therapy

  • Orthotics supply & fit: $110
Osteopathy* 2

$250 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $48
  • Subsequent visit: $41
Physiotherapy* 2

$350 per policy

combined limit for exercise physiology & physiotherapy

  • Initial visit: $58
  • Subsequent visit: $49
Podiatry* 2

$200 per policy

combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & speech therapy

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

$350 per policy

combined limit for occupational therapy & psychology

  • Initial visit: $65
  • Subsequent visit: $65
Remedial massage 2

$250 per policy

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

sub-limits apply

  • Initial visit: $36
  • Subsequent visit: $36
Speech therapy 2

$200 per policy

combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & speech therapy

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

$180 per policy

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

{$250 per policy}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $60}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$45 per policy}

Examples of maximum benefits

{Per monitor: $45}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for chiropractic & 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

{$200 per policy}

{combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & 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

{$850 per policy}

{combined limit for endodontic, major dental & other services}

Examples of maximum benefits

{Filling of one root canal: $170}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Fluoride treatment: $28}

{Scale & clean: $65}

{Periodic oral examination: $35}

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

{$600 per policy}

Examples of maximum benefits

{Hearing aid: $600}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for endodontic, major dental & other services}

Examples of maximum benefits

{Surgical tooth extraction: $184}

{Full crown veneered: $850}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$180 per policy}

{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

{$350 per policy}

{combined limit for occupational therapy & psychology}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $62}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 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

{$700 per policy}

{$2,100 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $700}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Orthotics supply & fit: $110}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $48}

{Subsequent visit: $41}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $58}

{Subsequent visit: $49}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Psychology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for occupational therapy & psychology}

Examples of maximum benefits

{Initial visit: $65}

{Subsequent visit: $65}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & 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

{$180 per policy}

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

Examples of maximum benefits

{Per service: $50}

Preventative and Diagnostic dental with service limits not included in annual limits. In chair treatment teeth whitening provided by a dentist, included in overall dental annual limit, service limits apply - in-chair treatment – max 8 teeth/session; applies every 36 months. Orthodontic limit for other dentists is $350 annual limit and $1,050 lifetime limit. Foot orthotics annual limit capped at Year 1. Mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses) included. Travel & accommodation benefit $200/policy and school accident benefit $150/eligible person. Health management programs include HCF approved programs (e.g. exercise classes, group physio & group exercise physiology classes, weight management and learn to swim).

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

Other features of this general treatment cover: Many services have increasing limits with tenure, up to a maximum amount. See the HCF product summary for more information. Benefit for 615 Full crown veneered increases to $900 in year 2 on Vital Extras.

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

Other features of this ambulance cover: If you are a resident of QLD you're covered under your state ambulance service scheme Australia-wide and benefits for ambulance services are not payable under your HCF policy.

For further information about this policy see: https://www.hcf.com.au/faqs/faqs-cover#what-is-ambulance-cover

Insurer Details

HCF

HCF VITAL EXTRAS

$91.23 / month

(Before Rebate, Discount & Loading)

Available in QLD

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/I23/QIPQ10

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