Skip to content
Healthslips logo
Greenslips logo
Healthslips logo
Explore Overview
Cover Overview
Hospital Cover (9 articles) Extras Cover (6 articles) Ambulance Cover (5 articles) Excluded Treatments
Insurers Overview
AAMI Health Insurance ACA Health ahm AIA Health Insurance Allianz Care Australia APIA Health Insurance Astute Simplicity Health Australian Unity Bupa Health Insurance CBHS Corporate CBHS Health CBHS Int Logo CBHS International Health  Defence Health Doctors’ Health Emergency Services Health Frank GMHBA GU Health HBF HCF HCi Health Partners HIF Hunter Health Insurance ING Health Insurance Latrobe Health Services Medibank Mildura Health Fund Navy Health nib Nurses & Midwives Health onemedifund Peoplecare Phoenix Health Fund Police Health Priceline Health Insurance Qantas Insurance  Queensland Country Health Fund Real Health Insurance Reserve Bank Health Society (RBHS) RT Health see-u by HBF Seniors Health Insurance  St Lukes Health Suncorp Health Insurance  Teachers Health Territory Health Fund  Transport Health TUH UniHealth Union Health  Westfund
Do you have a reference number?
Resume your calculation.
Healthslips logo Greenslips logo
Compare Every Insurer
No Commercial Bias
Cheapest Policy Guaranteed
Free Open Access
Compare Every Insurer
No Commercial Bias
HCF

HCF Choose My Extras

$174.02 / 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: 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

Policy ID: HCF/I31/VPXK2Y

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

$200 per person

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Ante-natal/Post-natal classes* 2

$125 per person

combined limit for ante-natal/post-natal classes, health management / healthy lifestyle & other services

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Chinese medicine* 2

$200 per person

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Chiropractic* 2

$200 per person

combined limit for chiropractic & osteopathy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Dietetics/dietary advice* 2

$200 per person

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Endodontic* 12

$500 per person

combined limit for endodontic & major dental

  • Filling of one root canal: 60% of charge
Exercise physiology* 2

$350 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
General dental* 2

$350 per person

  • Fluoride treatment: 60% of charge
  • Scale & clean: 60% of charge
  • Periodic oral examination: 60% of charge
Health management / Healthy lifestyle* 2

$125 per person

combined limit for ante-natal/post-natal classes, health management / healthy lifestyle & other services

  • Health management: 60% of charge
Major dental* 12

$500 per person

combined limit for endodontic & major dental

  • Surgical tooth extraction: 60% of charge
  • Full crown veneered: 60% of charge
Occupational therapy* 2

$300 per person

combined limit for occupational therapy & speech therapy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Optical* 2

$225 per person

  • Multi-focal lenses & frames: 60% of charge
  • Single vision lenses & frames: 60% of charge
Orthodontic* 12

$450 per person

$1,950 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge
Osteopathy* 2

$200 per person

combined limit for chiropractic & osteopathy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Physiotherapy* 2

$350 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Podiatry* 2

$200 per person

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Psychology* 2

$300 per person

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Remedial massage* 2

$200 per person

combined limit for acupuncture, chinese medicine & remedial massage

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Speech therapy* 2

$300 per person

combined limit for occupational therapy & speech therapy

  • Initial visit: 60% of charge
  • Subsequent visit: 60% of charge
Vaccinations* 2

$180 per person

  • Per service: 60% of charge
Acupuncture*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

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

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Ante-natal/Post-natal classes*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$125 per person}

{combined limit for ante-natal/post-natal classes, health management / healthy lifestyle & other services}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chinese medicine*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

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

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Dietetics/dietary advice*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Endodontic*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: 60% of charge}

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: 60% of charge}

{Subsequent visit: 60% of charge}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Fluoride treatment: 60% of charge}

{Scale & clean: 60% of charge}

{Periodic oral examination: 60% of charge}

Health management / Healthy lifestyle*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$125 per person}

{combined limit for ante-natal/post-natal classes, health management / healthy lifestyle & other services}

Examples of maximum benefits

{Health management: 60% of charge}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: 60% of charge}

{Full crown veneered: 60% of charge}

Occupational therapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$225 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 60% of charge}

{Single vision lenses & frames: 60% of charge}

Orthodontic*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{$1,950 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

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: 60% of charge}

{Subsequent visit: 60% of charge}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Psychology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Remedial massage*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

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

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Speech therapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Vaccinations*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$180 per person}

Examples of maximum benefits

{Per service: 60% of charge}

Loyalty annual limits apply to selected services. Annual limits displayed are at Year 1 limits. Members have the flexibility to swap service selections as needed, within the calendar year, as long as a claim has not been made on that service. Waiting periods and fund rules apply.

This policy does not include General treatment (Extras) cover for
Audiology
Blood glucose monitors
Eye therapy (orthoptics)
Hearing aids
Home nursing
Non PBS pharmaceuticals
Orthotics (podiatric orthoses)

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 Choose My Extras

$174.02 / 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/I31/VPXK2Y

advertisement
calculate your health insurance

Policies change monthly, stay informed

Subscribe to stay informed. Insurers regularly update policies, introduce new policies and close policies. Our data is updated monthly.
See our Privacy Policy for information on how we protect your personal information.
Thank you for subscribing!