HCF

TOP ADVANCED HOSPITAL GOLD $500 EXCESS & SUPER MULTICOVER

$785.59 / 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: Two adults & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 21) and students (22 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Dependent aged 18-21 inclusive

Policy ID: HCF/J20D/NDIY2D

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: You will have to pay an excess of $500 per admission. This is limited to a maximum of $500 per person and $1000 per policy per year.

Excess payments do not apply to hospital admissions for accidents, dependants and day surgery.

Co-payments: No co-payments

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.

Other features of this hospital cover

Top hospital cover for peace of mind. No excess for accident related treatment, dependants under 25 and same day procedures. Includes involuntary unemployment assistance, travel and accommodation benefits for hospital admission and cover for unlimited emergency ambulance trips. See fund rules for more information. Access to over 100 exclusive offers through HCF Thank You program. For more information visit: www.hcf.com.au/thankyou.

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

$600 per person

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

sub-limits apply

Initial visit: $40
Subsequent visit: $35

Audiology 2

$350 per person

Initial visit: $58
Subsequent visit: $40

Blood glucose monitors 12

$600 per person

sub-limits apply

Per monitor: $150

Chinese medicine 2

$600 per person

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

Initial visit: $40
Subsequent visit: $35

Chiropractic 2

$600 per person

combined limit for chiropractic, exercise physiology & osteopathy

sub-limits apply

Initial visit: $42
Subsequent visit: $33

Dietetics/dietary advice 2

$350 per person

Initial visit: $55
Subsequent visit: $45

Endodontic* 12

$2,300 per person

combined limit for endodontic & major dental

sub-limits apply

Filling of one root canal: $179

Exercise physiology 2

$600 per person

combined limit for chiropractic, exercise physiology & osteopathy

Initial visit: $40
Subsequent visit: $33

General dental* 2

$550 per person

sub-limits apply

Fluoride treatment: $28
Scale & clean: $75
Periodic oral examination: $37

Health management / Healthy lifestyle 2

$200 per person up to $400 per policy

Health management: $200

Hearing aids* 12

$800 per person

Hearing aid: $800

Major dental* 12

$2,300 per person

combined limit for endodontic & major dental

sub-limits apply

Surgical tooth extraction: $210
Full crown veneered: $700

Non PBS pharmaceuticals 2

$700 per person

Per eligible prescription: $50

Occupational therapy 2

$600 per person

Initial visit: $72
Subsequent visit: $50

Optical* 2

$250 per person

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

Orthodontic* 12

$440 per person

$2,640 lifetime limit

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

Osteopathy 2

$600 per person

combined limit for chiropractic, exercise physiology & osteopathy

Initial visit: $45
Subsequent visit: $35

Physiotherapy 2

$600 per person

Initial visit: $55
Subsequent visit: $42

Podiatry 2

$400 per person

Initial visit: $40
Subsequent visit: $34

Psychology* 2

$600 per person

Initial visit: $46
Subsequent visit: $46

Remedial massage 2

$600 per person

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

sub-limits apply

Initial visit: $40
Subsequent visit: $35

Speech therapy 2

$500 per person

Initial visit: $83
Subsequent visit: $51

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $35}

Audiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Initial visit: $58}

{Subsequent visit: $40}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: $150}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $35}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, exercise physiology & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $33}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Initial visit: $55}

{Subsequent visit: $45}

Endodontic*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$2,300 per person}

{combined limit for endodontic & major dental}

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: $179}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $33}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: $28}

{Scale & clean: $75}

{Periodic oral examination: $37}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

Examples of maximum benefits

{Health management: $200}

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

{$2,300 per person}

{combined limit for endodontic & major dental}

{sub-limits apply}

Examples of maximum benefits

{Surgical tooth extraction: $210}

{Full crown veneered: $700}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

Examples of maximum benefits

{Per eligible prescription: $50}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Initial visit: $72}

{Subsequent visit: $50}

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

{$440 per person}

{$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 person}

{combined limit for chiropractic, exercise physiology & osteopathy}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $35}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Initial visit: $55}

{Subsequent visit: $42}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $34}

Psychology*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Initial visit: $46}

{Subsequent visit: $46}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $35}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $83}

{Subsequent visit: $51}

General dental has check-ups with service limits not in annual limits. Endodontic, Periodontic, Oral surgery & occlusal therapy - combined limit $500. Dentures - $800 every 3 yrs. Ortho accrues at $440/calendar yr up to lifetime limit of $2,640 for Orthodontist ($1,000 for General Dentist). On Optical claim up to $500 within a 2 yr period. Sublimit of $250 for contact lens/yr. 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)

Vaccinations

Other features of this general treatment cover: Crowns & Bridges limit increases by $100 a yr from $800 to $1200. Loyalty benefits apply on Physio and combined chiro & osteo limits. Sub-limits apply to chiro/osteo. Hearing aids limit increase from $800 to $1800 based on tenure. Includes Health Mngt Program limit of $200 pp/$400 per family policy.

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 HOSPITAL GOLD $500 EXCESS & SUPER MULTICOVER

$785.59 / 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

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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/J20D/NDIY2D

TOP ADVANCED HOSPITAL GOLD $500 EXCESS & SUPER MULTICOVER

Policy ID: HCF/J20D/NDIY2D

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

HCF

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