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HCF

HCF ADVANCED EXTRAS

Corporate Policy

$332.21 / 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: 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

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/I28/QIXS2Y

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

$450 per person

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

sub-limits apply

  • Initial visit: $41
  • Subsequent visit: $41
Audiology 2

$400 per person

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

  • Initial visit: $71
  • Subsequent visit: $71
Blood glucose monitors 12

$55 per person up to $200 per policy

  • Per monitor: $55
Chinese medicine 2

$450 per person

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

sub-limits apply

  • Initial visit: $41
  • Subsequent visit: $41
Chiropractic* 2

$350 per person

combined limit for chiropractic & osteopathy

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

$400 per person

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

  • Initial visit: $56
  • Subsequent visit: $56
Endodontic 12

$1,150 per person

combined limit for endodontic, major dental & other services

  • Filling of one root canal: $195
Exercise physiology 2

$700 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: $78
  • Periodic oral examination: $40
Health management / Healthy lifestyle 2

$125 per person up to $250 per policy

  • Health management: $100
Hearing aids 12

$800 per person

  • Hearing aid: $800
Major dental 12

$1,150 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

$700 per person

combined limit for occupational therapy & psychology

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

$250 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

$400 per person

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

  • Orthotics supply & fit: $130
Osteopathy* 2

$350 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $53
  • Subsequent visit: $43
Physiotherapy* 2

$700 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: $62
  • Subsequent visit: $55
Podiatry* 2

$400 per person

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

  • Initial visit: $41
  • Subsequent visit: $36
Psychology* 2

$700 per person

combined limit for occupational therapy & psychology

  • Initial visit: $70
  • Subsequent visit: $70
Remedial massage 2

$450 per person

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

sub-limits apply

  • Initial visit: $41
  • Subsequent visit: $41
Speech therapy 2

$400 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

{$450 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $41}

{Subsequent visit: $41}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

Examples of maximum benefits

{Initial visit: $71}

{Subsequent visit: $71}

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

{$450 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $41}

{Subsequent visit: $41}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 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

{$400 per person}

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

Examples of maximum benefits

{Initial visit: $56}

{Subsequent visit: $56}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,150 per person}

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

Examples of maximum benefits

{Filling of one root canal: $195}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 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: $78}

{Periodic oral examination: $40}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$125 per person up to $250 per policy}

Examples of maximum benefits

{Health management: $100}

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

{$1,150 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

{$700 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

{$250 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

{$400 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

{$350 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $53}

{Subsequent visit: $43}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $55}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

Examples of maximum benefits

{Initial visit: $41}

{Subsequent visit: $36}

Psychology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for occupational therapy & psychology}

Examples of maximum benefits

{Initial visit: $70}

{Subsequent visit: $70}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $41}

{Subsequent visit: $41}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 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}

General dental service limits apply. In chair teeth whitening treatment provided by a dentist included in the dental annual limit, a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Orthodontic annual limit is $400 for other dentists, $1,200 lifetime limit. Group Physio & group Exercise Physiology classes covered under health management programs. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF- approved OCBT courses). Sub-limit of $300 per therapy service applies to remedial massage & myotherapy, acupuncture & Chinese herbal medicine. 12 month waiting period for foot orthotics, covered under podiatry (1 pair/person/year). Hearing aid benefits accrue over time and renew every 3 years.

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

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: Residents 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 ADVANCED EXTRAS

Corporate Policy

$332.21 / 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/I28/QIXS2Y

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