HCF

YOUNG SINGLES & COUPLES BASIC PLUS

$453.08 / 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 a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: Two adults (and no-one else).

Policy ID: HCF/J21/VBSO20

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 $900 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 person

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 person

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 person

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 person

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 person

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

Non PBS pharmaceuticals 2

$200 per person

combined limit for non pbs pharmaceuticals & vaccinations

sub-limits apply

Per eligible prescription: $50

Optical* 2

$180 per person

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

Osteopathy 2

$350 per person

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 person

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 person

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 person

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 person}

{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 person}

{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 person}

{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 person}

{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 person}

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 person}

{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 person}

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 person}

{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 person}

{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 person}

{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 person}

{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 VIC 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 VIC 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

$453.08 / month

(Before Rebate, Discount & Loading)

Available in VIC

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/J21/VBSO20

YOUNG SINGLES & COUPLES BASIC PLUS

Policy ID: HCF/J21/VBSO20

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

HCF

Policies change monthly, stay informed