HCF

HCF LIFESTYLE EXTRAS

Corporate Policy

$92.06 / 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 (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

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/I26/NIUA1D

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

$150 per person

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

Initial visit: $37
Subsequent visit: $37

Chinese medicine 2

$150 per person

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

Initial visit: $37
Subsequent visit: $37

Chiropractic 2

$150 per person

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

Initial visit: $39
Subsequent visit: $32

Endodontic 12

$700 per person

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

Filling of one root canal: $175

Exercise physiology 2

$350 per person

combined limit for exercise physiology & physiotherapy

Initial visit: $33
Subsequent visit: $33

General dental* 2

$700 per person

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

Fluoride treatment: $28
Scale & clean: $66
Periodic oral examination: $36

Health management / Healthy lifestyle 2

$75 per person up to $150 per policy

Health management: $50

Major dental 12

$700 per person

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

Surgical tooth extraction: $184
Full crown veneered: $600

Optical* 2

$200 per person

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

Osteopathy 2

$150 per person

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

Initial visit: $48
Subsequent visit: $38

Physiotherapy 2

$350 per person

combined limit for exercise physiology & physiotherapy

Initial visit: $58
Subsequent visit: $50

Remedial massage 2

$150 per person

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

Initial visit: $37
Subsequent visit: $37

Vaccinations 2

$100 per person

Per service: $50

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

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

Examples of maximum benefits

{Initial visit: $37}

{Subsequent visit: $37}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

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

Examples of maximum benefits

{Initial visit: $37}

{Subsequent visit: $37}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

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

Examples of maximum benefits

{Initial visit: $39}

{Subsequent visit: $32}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

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

Examples of maximum benefits

{Filling of one root canal: $175}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{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

{$700 per person}

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

Examples of maximum benefits

{Fluoride treatment: $28}

{Scale & clean: $66}

{Periodic oral examination: $36}

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

{$700 per person}

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

Examples of maximum benefits

{Surgical tooth extraction: $184}

{Full crown veneered: $600}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 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

{$150 per person}

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

Examples of maximum benefits

{Initial visit: $48}

{Subsequent visit: $38}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $58}

{Subsequent visit: $50}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

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

Examples of maximum benefits

{Initial visit: $37}

{Subsequent visit: $37}

Vaccinations

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person}

Examples of maximum benefits

{Per service: $50}

Dental limit includes check-ups with yearly service limits, major dental such as oral surgery, endodontic and complex fillings and In chair teeth whitening treatment provided by a dentist, a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Physiotherapy and Exercise Physiology group classes covered under Health Management Programs and mental health services such as; HCF-approved counselling, accredited mental health social worker - includes group/individual consultations and HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person per calendar year.

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

Other features of this general treatment cover: A mid level of extras cover that includes core services like dental, optical, and select therapies. Additional services include HCF approved Health Management Programs and HCF approved vaccines and immunisations.

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 LIFESTYLE EXTRAS

Corporate Policy

$92.06 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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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/I26/NIUA1D

HCF LIFESTYLE EXTRAS

Policy ID: HCF/I26/NIUA1D

Extras Cover

Ambulance cover

Insurer Details

HCF

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