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HCF

HCF TOP EXTRAS

$182.64 / 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 (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/I24/VISA1D

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

$300 per person

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

sub-limits apply

  • Initial visit: $40
  • Subsequent visit: $40
Audiology 2

$250 per person

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

  • Initial visit: $70
  • Subsequent visit: $70
Blood glucose monitors 12

$55 per person up to $200 per policy

  • Per monitor: $55
Chinese medicine 2

$300 per person

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

sub-limits apply

  • Initial visit: $40
  • Subsequent visit: $40
Chiropractic* 2

$300 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $45
  • Subsequent visit: $38
Dietetics/dietary advice 2

$250 per person

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

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

$1,000 per person

combined limit for endodontic, major dental & other services

  • Filling of one root canal: $191
Exercise physiology 2

$600 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: $40
  • Subsequent visit: $40
General dental* 2

No annual limit

  • Fluoride treatment: $29
  • Scale & clean: $76
  • Periodic oral examination: $38
Health management / Healthy lifestyle 2

$200 per person up to $400 per policy

  • Health management: $200
Hearing aids 12

$800 per person

  • Hearing aid: $800
Major dental 12

$1,000 per person

combined limit for endodontic, major dental & other services

  • Surgical tooth extraction: $210
  • Full crown veneered: $1000
Non PBS pharmaceuticals 2

$280 per person

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $50
Occupational therapy 2

$600 per person

combined limit for occupational therapy & psychology

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

$275 per person

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

$800 per person

$2,400 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $800
Orthotics (podiatric orthoses) 12

$250 per person

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

  • Orthotics supply & fit: $130
Osteopathy* 2

$300 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $50
  • Subsequent visit: $43
Physiotherapy* 2

$600 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: $60
  • Subsequent visit: $54
Podiatry* 2

$250 per person

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

  • Initial visit: $40
  • Subsequent visit: $40
Psychology* 2

$600 per person

combined limit for occupational therapy & psychology

  • Initial visit: $80
  • Subsequent visit: $80
Remedial massage 2

$300 per person

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

sub-limits apply

  • Initial visit: $40
  • Subsequent visit: $40
Speech therapy 2

$250 per person

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

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

$280 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 & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

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

Examples of maximum benefits

{Initial visit: $70}

{Subsequent visit: $70}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$55 per person up to $200 per policy}

Examples of maximum benefits

{Per monitor: $55}

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 & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $38}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

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

{$1,000 per person}

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

Examples of maximum benefits

{Filling of one root canal: $191}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Fluoride treatment: $29}

{Scale & clean: $76}

{Periodic oral examination: $38}

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

{$800 per person}

Examples of maximum benefits

{Hearing aid: $800}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

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

Examples of maximum benefits

{Surgical tooth extraction: $210}

{Full crown veneered: $1000}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$280 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

{$600 per person}

{combined limit for occupational therapy & psychology}

Examples of maximum benefits

{Initial visit: $72}

{Subsequent visit: $72}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$275 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

{$800 per person}

{$2,400 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $800}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

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

Examples of maximum benefits

{Orthotics supply & fit: $130}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $43}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $54}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

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

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Psychology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for occupational therapy & psychology}

Examples of maximum benefits

{Initial visit: $80}

{Subsequent visit: $80}

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 & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

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

{$280 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $50}

Preventative and Diagnostic dental with service limits not in annual limits. In chair treatment teeth whitening provided by a dentist, service limits apply - in-chair treatment – max 8 teeth/session; applies every 36 months. Orthodontic limit for other dentists is $400 annual limit and a $1,200 lifetime limit. Increasing limits for some services, up to a maximum amount. Foot orthotics annual limit is capped at Year 1. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses). Travel & accommodation benefit $250/policy/year and school accident benefit $200/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.

Ambulance cover

In VIC 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: 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 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 TOP EXTRAS

$182.64 / 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/I24/VISA1D

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