HCF

GENERAL EXTRAS

$45.24 / month

(Before Rebate, Discount & Loading)

Available in NT

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: Only one person.

Policy ID: HCF/I5/DEAI10

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 policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

sub-limits apply

Initial visit: $22
Subsequent visit: $10

Chinese medicine 2

$500 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

Initial visit: $22
Subsequent visit: $10

Chiropractic* 2

$500 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

sub-limits apply

Initial visit: $30
Subsequent visit: $21

Endodontic 12

$300 per policy

combined limit for endodontic & major dental

Filling of one root canal: $115

Exercise physiology 2

$500 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

Initial visit: $25
Subsequent visit: $20

Eye therapy (orthoptics) 2

$500 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

Initial visit: $20
Subsequent visit: $20

General dental* 2

$400 per policy

Fluoride treatment: $27
Scale & clean: $57
Periodic oral examination: $30

Major dental 12

$300 per policy

combined limit for endodontic & major dental

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

Non PBS pharmaceuticals 2

$500 per policy

combined limit for non pbs pharmaceuticals & vaccinations

Per eligible prescription: $50

Occupational therapy 2

$500 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

Initial visit: $40
Subsequent visit: $30

Optical* 2

$180 per policy

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

Orthodontic 12

$250 per policy

$1,500 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: $250

Osteopathy* 2

$500 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

Initial visit: $30
Subsequent visit: $22

Physiotherapy* 2

$500 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

Initial visit: $33
Subsequent visit: $23

Remedial massage 2

$500 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

sub-limits apply

Initial visit: $22
Subsequent visit: $10

Speech therapy 2

$500 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy

Initial visit: $40
Subsequent visit: $30

Vaccinations 2

$500 per policy

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 policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $22}

{Subsequent visit: $10}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

Examples of maximum benefits

{Initial visit: $22}

{Subsequent visit: $10}

Chiropractic*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $21}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $115}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $20}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

Examples of maximum benefits

{Initial visit: $20}

{Subsequent visit: $20}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

Examples of maximum benefits

{Fluoride treatment: $27}

{Scale & clean: $57}

{Periodic oral examination: $30}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: $150}

{Full crown veneered: $0}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{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

{$500 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$180 per policy}

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

{$250 per policy}

{$1,500 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $250}

Osteopathy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $22}

Physiotherapy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $23}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $22}

{Subsequent visit: $10}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, remedial massage & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Vaccinations

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $50}

General dental $400 limit is for direct fillings. Cover also includes dental check ups with service limits, that are not part of the general dental annual limit. Occlusal therapy, periodontics, crowns, bridges, implants and dentures are not covered. Orthodontic accrues at $250 per calendar year, up to lifetime limit of $1,500 for Orthodontists ($1,000 lifetime limit for General Dentist). HCF-approved Online Cognitive Behavioural Therapy courses are included with a separate annual limit per person/ per policy. Sub-limit of $250 each for chiro, osteo and exercise physiology. Combined sub-limit of $200 for speech and occupational therapy. Combined sub-limit of $100 for accupuncture, Chinese herbal medicine, remedial massage and myotherapy. Lower benefits for physio, chiro and osteo after the 11th visit.

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

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Dietetics/dietary advice

Health management / Healthy lifestyle

Hearing aids

Home nursing

Orthotics (podiatric orthoses)

Podiatry

Psychology

Other features of this general treatment cover: Includes school accident benefit of up to $400 annual limit to help pay for out-of-pocket expenses for extras in your cover (per eligible child).

Ambulance cover

In NT this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

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 NT and you don't have an ambulance subscription with your state ambulance service and aren't offered cover under another arrangement, you have unlimited 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

GENERAL EXTRAS

$45.24 / month

(Before Rebate, Discount & Loading)

Available in NT

13 13 34 Sponsor link

Go to site Sponsor link

HCF

http://www.hcf.com.au

service@hcf.com.au

13 13 34

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/I5/DEAI10

GENERAL EXTRAS

Policy ID: HCF/I5/DEAI10

Extras Cover

Ambulance cover

Insurer Details

HCF

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