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HCF

YOUNG SINGLES & COUPLES BASIC PLUS

$206.18 / 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 a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: Only one person.

Policy ID: HCF/J21/SBSL10

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
This policy does not include cover for
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 $450 per admission. This is limited to a maximum of $450 per person and $450 per policy per year.

Excess payments do not apply to hospital admissions for accidents.

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

Combined hospital and extras package designed for healthy young singles and couples without dependant kids. No excess for accident related treatment. Includes involuntary unemployment assistance, travel and accommodation benefits for hospital admissions 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

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services

sub-limits apply

  • Initial visit: $25
  • Subsequent visit: $20
Chinese medicine 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services

sub-limits apply

  • Initial visit: $25
  • Subsequent visit: $20
Chiropractic* 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services

  • Initial visit: $30
  • Subsequent visit: $20
Exercise physiology 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services

  • Initial visit: $25
  • Subsequent visit: $20
General dental* 2

$400 per policy

sub-limits apply

  • Fluoride treatment: $27
  • Scale & clean: $57
  • Periodic oral examination: $30
Major dental 12

$300 per policy

  • Surgical tooth extraction: $150
  • Full crown veneered: $0
Non PBS pharmaceuticals 2

$200 per policy

combined limit for non pbs pharmaceuticals & vaccinations

sub-limits apply

  • Per eligible prescription: $50
Optical* 2

$180 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Osteopathy 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services

  • Initial visit: $30
  • Subsequent visit: $20
Physiotherapy* 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services

sub-limits apply

  • Initial visit: $40
  • Subsequent visit: $32
Remedial massage 2

$350 per policy

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services

sub-limits apply

  • Initial visit: $25
  • Subsequent visit: $20
Vaccinations 2

$200 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

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $20}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $20}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $20}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $20}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{sub-limits apply}

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}

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

{$200 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: $50}

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}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $20}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $32}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy, physiotherapy, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $20}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $50}

General dental limit of $400 is for direct fillings. Cover also includes dental check ups, with service limits, that are not part of this general dental limit. Major dental limit of $300 includes extractions only. Reduced chiro and osteo benefits after the 6th visit. HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy.

This policy does not include General treatment (Extras) cover for
Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Dietetics/dietary advice
Endodontic
Eye therapy (orthoptics)
Health management / Healthy lifestyle
Hearing aids
Home nursing
Occupational therapy
Orthodontic
Orthotics (podiatric orthoses)
Podiatry
Psychology
Speech therapy

Ambulance cover

In SA 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 SA 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

YOUNG SINGLES & COUPLES BASIC PLUS

$206.18 / 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/J21/SBSL10

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