HCF

TOP ADVANCED SHARED HOSPITAL GOLD & MULTICOVER

$393.05 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: Only one person.

Policy ID: HCF/J19E/NBXA10

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with insurer for details.
This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Assisted reproductive services

Back, neck and spine

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Cataracts

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Heart and vascular system

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Insulin pumps

Joint reconstructions

Joint replacements

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Palliative care

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

Weight loss surgery

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: No excess

Co-payments: Every time you go to hospital you will have to pay:

$50 per day for a private room for overnight admissions
The maximum co-payment is $500 per year

The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
12 months for pregnancy and birth (obstetrics)
2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

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 policy

combined limit for acupuncture & chinese medicine

Initial visit: $32
Subsequent visit: $25

Audiology 2

$500 per policy

combined limit for audiology & speech therapy

sub-limits apply

Initial visit: $52
Subsequent visit: $35

Blood glucose monitors* 12

$500 per policy

Per monitor: $150

Chinese medicine 2

$200 per policy

combined limit for acupuncture & chinese medicine

Initial visit: $32
Subsequent visit: $25

Chiropractic* 2

$600 per policy

combined limit for chiropractic, exercise physiology & osteopathy

sub-limits apply

Initial visit: $35
Subsequent visit: $28

Dietetics/dietary advice 2

$300 per policy

Initial visit: $50
Subsequent visit: $40

Endodontic* 12

$2,220 per policy

combined limit for endodontic, major dental & other services

sub-limits apply

Filling of one root canal: $164

Exercise physiology 2

$600 per policy

combined limit for chiropractic, exercise physiology & osteopathy

Initial visit: $32
Subsequent visit: $30

General dental* 2

$550 per policy

sub-limits apply

Fluoride treatment: $27
Scale & clean: $69
Periodic oral examination: $34

Health management / Healthy lifestyle 2

$150 per policy

Health management: $150

Hearing aids* 12

$600 per policy

Hearing aid: $600

Major dental* 12

$2,220 per policy

combined limit for endodontic, major dental & other services

sub-limits apply

Surgical tooth extraction: $182
Full crown veneered: $580

Non PBS pharmaceuticals 2

$600 per policy

combined limit for non pbs pharmaceuticals & vaccinations

Per eligible prescription: $50

Occupational therapy 2

$500 per policy

Initial visit: $62
Subsequent visit: $40

Optical 2

$220 per policy

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

Orthodontic* 12

$440 per policy

$2,640 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: $440

Osteopathy 2

$600 per policy

combined limit for chiropractic, exercise physiology & osteopathy

Initial visit: $40
Subsequent visit: $30

Physiotherapy* 2

$600 per policy

Initial visit: $46
Subsequent visit: $36

Podiatry 2

$200 per policy

Initial visit: $35
Subsequent visit: $27

Psychology* 2

$300 per policy

Initial visit: $44
Subsequent visit: $44

Remedial massage 2

$200 per policy

Initial visit: $32
Subsequent visit: $25

Speech therapy 2

$500 per policy

combined limit for audiology & speech therapy

Initial visit: $60
Subsequent visit: $40

Vaccinations 2

$600 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

{$200 per policy}

{combined limit for acupuncture & chinese medicine}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $25}

Audiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for audiology & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $52}

{Subsequent visit: $35}

Blood glucose monitors*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

Examples of maximum benefits

{Per monitor: $150}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture & chinese medicine}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $25}

Chiropractic*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for chiropractic, exercise physiology & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $28}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $40}

Endodontic*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$2,220 per policy}

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

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: $164}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $30}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$550 per policy}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: $27}

{Scale & clean: $69}

{Periodic oral examination: $34}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

Examples of maximum benefits

{Health management: $150}

Hearing aids*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

Examples of maximum benefits

{Hearing aid: $600}

Major dental*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$2,220 per policy}

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

{sub-limits apply}

Examples of maximum benefits

{Surgical tooth extraction: $182}

{Full crown veneered: $580}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 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}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $40}

Optical

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$220 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

{$440 per policy}

{$2,640 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $440}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Physiotherapy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

Examples of maximum benefits

{Initial visit: $46}

{Subsequent visit: $36}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $27}

Psychology*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Initial visit: $44}

{Subsequent visit: $44}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $25}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for audiology & speech therapy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $40}

Vaccinations

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $50}

General dental includes dental check-ups with service limits not in annual limit. Endodontic, periodontic, oral surgery & occlusal treatment - combined limit of $500. Dentures - $800 every 3 yrs. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses).

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

Ante-natal/Post-natal classes

Eye therapy (orthoptics)

Home nursing

Orthotics (podiatric orthoses)

Other features of this general treatment cover: A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.

Ambulance cover

In NSW & ACT 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: Cover for unlimited air, land and sea emergency ambulance trips and treatment by paramedics in Australia for services provided by recognised Ambulance Service Providers. Benefits are not payable when covered by another third party or other funding arrangement, such as a State government scheme. See fund rules for more information.

For further information about this policy see: https://www.hcf.com.au/faqs/faqs-cover#what-is-ambulance-cover

Insurer Details

HCF

TOP ADVANCED SHARED HOSPITAL GOLD & MULTICOVER

$393.05 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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/J19E/NBXA10

TOP ADVANCED SHARED HOSPITAL GOLD & MULTICOVER

Policy ID: HCF/J19E/NBXA10

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

HCF

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