HCF

HCF ESSENTIAL EXTRAS

Corporate Policy

$70.16 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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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

Corporate policy: This is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.

Policy ID: HCF/I25/NISM1Y

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

$120 per person

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

Initial visit: $34
Subsequent visit: $34

Chinese medicine 2

$120 per person

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

Initial visit: $34
Subsequent visit: $34

Chiropractic 2

$120 per person

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

Initial visit: $36
Subsequent visit: $28

Endodontic 12

$450 per person

combined limit for endodontic, general dental, major dental & other services

Filling of one root canal: $136

Exercise physiology 2

$250 per person

combined limit for exercise physiology & physiotherapy

Initial visit: $30
Subsequent visit: $30

General dental* 2

$450 per person

combined limit for endodontic, general dental, major dental & other services

Fluoride treatment: $27
Scale & clean: $59
Periodic oral examination: $30

Health management / Healthy lifestyle 2

$75 per person up to $150 per policy

Health management: $50

Major dental 12

$450 per person

combined limit for endodontic, general dental, major dental & other services

Surgical tooth extraction: $150
Full crown veneered: $0

Optical* 2

$150 per person

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

Osteopathy 2

$120 per person

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

Initial visit: $43
Subsequent visit: $33

Physiotherapy 2

$250 per person

combined limit for exercise physiology & physiotherapy

Initial visit: $46
Subsequent visit: $40

Remedial massage 2

$120 per person

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

Initial visit: $34
Subsequent visit: $34

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$120 per person}

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

Examples of maximum benefits

{Initial visit: $34}

{Subsequent visit: $34}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$120 per person}

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

Examples of maximum benefits

{Initial visit: $34}

{Subsequent visit: $34}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$120 per person}

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

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $28}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

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

Examples of maximum benefits

{Filling of one root canal: $136}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

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

Examples of maximum benefits

{Fluoride treatment: $27}

{Scale & clean: $59}

{Periodic oral examination: $30}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$75 per person up to $150 per policy}

Examples of maximum benefits

{Health management: $50}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

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

Examples of maximum benefits

{Surgical tooth extraction: $150}

{Full crown veneered: $0}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

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

{$120 per person}

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

Examples of maximum benefits

{Initial visit: $43}

{Subsequent visit: $33}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $46}

{Subsequent visit: $40}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$120 per person}

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

Examples of maximum benefits

{Initial visit: $34}

{Subsequent visit: $34}

An entry-level extras cover that includes core services like dental, optical and some therapies. 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, Physiotherapy and exercise physiology group classes are covered under Health Management Programs and HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy.

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

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Dietetics/dietary advice

Eye therapy (orthoptics)

Hearing aids

Home nursing

Non PBS pharmaceuticals

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Podiatry

Psychology

Speech therapy

Vaccinations

Other features of this general treatment cover: An entry level extras cover that includes core services such as dental, optical, physiotherapy and chiropractic.

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 all 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 ESSENTIAL EXTRAS

Corporate Policy

$70.16 / 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

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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/I25/NISM1Y

HCF ESSENTIAL EXTRAS

Policy ID: HCF/I25/NISM1Y

Extras Cover

Ambulance cover

Insurer Details

HCF

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