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HCF

HCF ULTIMATE EXTRAS

Corporate Policy

$311.99 / month

(Before Rebate, Discount & Loading)

Available in SA

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/I29/SIZM1Y

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

$500 per person

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

sub-limits apply

  • Initial visit: $45
  • Subsequent visit: $45
Audiology 2

$600 per person

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

  • Initial visit: $75
  • Subsequent visit: $75
Blood glucose monitors 12

$59 per person up to $250 per policy

  • Per monitor: $59
Chinese medicine 2

$500 per person

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

sub-limits apply

  • Initial visit: $45
  • Subsequent visit: $45
Chiropractic* 2

$450 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $50
  • Subsequent visit: $40
Dietetics/dietary advice 2

$600 per person

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

  • Initial visit: $59
  • Subsequent visit: $59
Endodontic 12

$1,300 per person

combined limit for endodontic, major dental & other services

  • Filling of one root canal: $200
Exercise physiology 2

$900 per person

combined limit for exercise physiology & physiotherapy

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

No annual limit

  • Fluoride treatment: $30
  • Scale & clean: $82
  • Periodic oral examination: $42
Health management / Healthy lifestyle 2

$175 per person up to $350 per policy

  • Health management: $150
Hearing aids 12

$800 per person

  • Hearing aid: $800
Major dental 12

$1,300 per person

combined limit for endodontic, major dental & other services

  • Surgical tooth extraction: $220
  • Full crown veneered: $1071
Non PBS pharmaceuticals 2

$280 per person

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $50
Occupational therapy 2

$900 per person

combined limit for occupational therapy & psychology

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

$300 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

$600 per person

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

  • Orthotics supply & fit: $139
Osteopathy* 2

$450 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $62
  • Subsequent visit: $57
Physiotherapy* 2

$900 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: $66
  • Subsequent visit: $57
Podiatry* 2

$600 per person

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

  • Initial visit: $43
  • Subsequent visit: $38
Psychology* 2

$900 per person

combined limit for occupational therapy & psychology

  • Initial visit: $78
  • Subsequent visit: $78
Remedial massage 2

$500 per person

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

sub-limits apply

  • Initial visit: $45
  • Subsequent visit: $45
Speech therapy 2

$600 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

{$500 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Initial visit: $75}

{Subsequent visit: $75}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$59 per person up to $250 per policy}

Examples of maximum benefits

{Per monitor: $59}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $40}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Initial visit: $59}

{Subsequent visit: $59}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per person}

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

Examples of maximum benefits

{Filling of one root canal: $200}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$900 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: $30}

{Scale & clean: $82}

{Periodic oral examination: $42}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$175 per person up to $350 per policy}

Examples of maximum benefits

{Health management: $150}

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

{$1,300 per person}

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

Examples of maximum benefits

{Surgical tooth extraction: $220}

{Full crown veneered: $1071}

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

{$900 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

{$300 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

{$600 per person}

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

Examples of maximum benefits

{Orthotics supply & fit: $139}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $57}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $66}

{Subsequent visit: $57}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Initial visit: $43}

{Subsequent visit: $38}

Psychology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for occupational therapy & psychology}

Examples of maximum benefits

{Initial visit: $78}

{Subsequent visit: $78}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 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. $400 annual limit for orthodontic by general dentists with lifetime limit of $1,200. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses). Group Physio & group Exercise Physiology classes covered under health management programs. Sub-limit of $300 applies per therapy service to remedial massage & myotherapy, acupuncture & Chinese herbal medicine. 12 month waiting period for foot orthotics covered under podiatry (1 pair/person/year applies). Hearing aid benefits accrue over time and renew every 3 years. Travel and accommodation benefit $250 per policy/year & school accident benefit with a $225 annual limit/eligible child.

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

Ambulance cover

In SA 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 SA 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 ULTIMATE EXTRAS

Corporate Policy

$311.99 / month

(Before Rebate, Discount & Loading)

Available in SA

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/I29/SIZM1Y

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