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HCF

FIT & FREE SILVER PLUS NIL EXCESS

$561.72 / 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 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/J22A/DBTB20

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
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)
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
This policy does not include cover for
Assisted reproductive services
Pregnancy and birth
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: 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
  • 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

Comprehensive hospital and extras package designed for singles and couples without dependant kids. No excess for accident related treatment. 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

$300 per person

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

  • Initial visit: $27
  • Subsequent visit: $20
Audiology 2

$300 per person

combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy

  • Initial visit: $52
  • Subsequent visit: $35
Chinese medicine 2

$300 per person

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

  • Initial visit: $27
  • Subsequent visit: $20
Chiropractic* 2

$600 per person

combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services

  • Initial visit: $40
  • Subsequent visit: $35
Dietetics/dietary advice 2

$300 per person

combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy

sub-limits apply

  • Initial visit: $50
  • Subsequent visit: $35
Endodontic* 12

$1,300 per person

combined limit for endodontic, major dental & other services

  • Filling of one root canal: $164
Exercise physiology 2

$600 per person

combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services

  • Initial visit: $32
  • Subsequent visit: $30
General dental* 2

$550 per person

sub-limits apply

  • Fluoride treatment: $27
  • Scale & clean: $69
  • Periodic oral examination: $34
Health management / Healthy lifestyle 2

$200 per person up to $400 per policy

  • Health management: $200
Major dental* 12

$1,300 per person

combined limit for endodontic, major dental & other services

sub-limits apply

  • Surgical tooth extraction: $182
  • Full crown veneered: $580
Non PBS pharmaceuticals 2

$500 per person

  • Per eligible prescription: $50
Occupational therapy 2

$600 per person

combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services

  • Initial visit: $62
  • Subsequent visit: $40
Optical 2

$250 per person

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthotics (podiatric orthoses) 12

$300 per person

combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy

  • Orthotics supply & fit: $100
Osteopathy 2

$600 per person

combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services

  • Initial visit: $40
  • Subsequent visit: $35
Physiotherapy* 2

$600 per person

combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services

  • Initial visit: $46
  • Subsequent visit: $42
Podiatry* 2

$300 per person

sub-limits apply

  • Initial visit: $38
  • Subsequent visit: $34
Psychology* 2

$300 per person

  • Initial visit: $44
  • Subsequent visit: $44
Remedial massage 2

$300 per person

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

  • Initial visit: $27
  • Subsequent visit: $20
Speech therapy 2

$300 per person

combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy

  • Initial visit: $60
  • Subsequent visit: $40
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

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

Examples of maximum benefits

{Initial visit: $27}

{Subsequent visit: $20}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy}

Examples of maximum benefits

{Initial visit: $52}

{Subsequent visit: $35}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

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

Examples of maximum benefits

{Initial visit: $27}

{Subsequent visit: $20}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $35}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $35}

Endodontic*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per person}

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

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 person}

{combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services}

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 person}

{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

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

Examples of maximum benefits

{Health management: $200}

Major dental*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per person}

{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

{$500 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}

{combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $40}

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}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy}

Examples of maximum benefits

{Orthotics supply & fit: $100}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $35}

Physiotherapy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $46}

{Subsequent visit: $42}

Podiatry*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $38}

{Subsequent visit: $34}

Psychology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: $44}

{Subsequent visit: $44}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

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

Examples of maximum benefits

{Initial visit: $27}

{Subsequent visit: $20}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $40}

Major dental includes surgical extraction, occlusal therapy, periodontics, endodontics and crown & bridges services only. Therapies include mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses), physiotherapy, exercise physiology, chiropractic, osteopathy, occupational therapy, dietetics, podiatry, audiology, speech pathology, remedial massage, myotherapy, acupuncture and chinese herbal medicine services only.

This policy does not include General treatment (Extras) cover for
Ante-natal/Post-natal classes
Blood glucose monitors
Eye therapy (orthoptics)
Hearing aids
Home nursing
Orthodontic
Vaccinations

Other features of this general treatment cover: A $200 sublimit for foot orthotics included within Podiatry (12 month waiting period apply for orthotics). Claim psychology after Medicare entitlements exhausted. A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up.

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: 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

FIT & FREE SILVER PLUS NIL EXCESS

$561.72 / month

(Before Rebate, Discount & Loading)

Available in NT

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/J22A/DBTB20

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