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HCF

HOSPITAL ADVANCED SAVINGS SILVER PLUS & EXTRA BENEFITS

$553.56 / month

(Before Rebate, Discount & Loading)

Available in QLD

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: One adult & dependants (2 or more people, only one of whom is an adult).

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/J25K/QOJF1D

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 $750 per admission. This is limited to a maximum of $750 per person and $1500 per policy per year.

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

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

Comprehensive hospital cover for peace of mind. No excess for accident related treatment and dependants under 25. Includes 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

$400 per person

combined limit for acupuncture, chiropractic & osteopathy

  • Initial visit: $30
  • Subsequent visit: $20
Blood glucose monitors 12

$500 per person

  • Per monitor: $150
Chiropractic* 2

$400 per person

combined limit for acupuncture, chiropractic & osteopathy

  • Initial visit: $35
  • Subsequent visit: $28
Dietetics/dietary advice 2

$150 per person

  • Initial visit: $50
  • Subsequent visit: $40
Endodontic 12

$1,870 per person

combined limit for endodontic, major dental & other services

sub-limits apply

  • Filling of one root canal: $164
Eye therapy (orthoptics) 2

$600 per person

combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

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

$300 per person

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

$100 per person up to $200 per policy

  • Health management: $100
Hearing aids* 12

$500 per person

  • Hearing aid: $500
Major dental 12

$1,870 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

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $50
Occupational therapy 2

$600 per person

combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

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

$200 per person

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthodontic 12

$250 per person

$1,500 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $250
Orthotics (podiatric orthoses) 12

$200 per person

  • Orthotics supply & fit: $100
Osteopathy* 2

$400 per person

combined limit for acupuncture, chiropractic & osteopathy

  • Initial visit: $40
  • Subsequent visit: $30
Physiotherapy* 2

$600 per person

combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

  • Initial visit: $46
  • Subsequent visit: $36
Podiatry* 2

$200 per person

  • Initial visit: $35
  • Subsequent visit: $25
Speech therapy 2

$600 per person

combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy

  • Initial visit: $60
  • Subsequent visit: $40
Vaccinations 2

$500 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

{$400 per person}

{combined limit for acupuncture, chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $20}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Per monitor: $150}

Chiropractic*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chiropractic & osteopathy}

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

{$150 per person}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $40}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,870 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: $164}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

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

{$100 per person up to $200 per policy}

Examples of maximum benefits

{Health management: $100}

Hearing aids*

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Hearing aid: $500}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,870 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}

{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

{$600 per person}

{combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $40}

Optical*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 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

{$250 per person}

{$1,500 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $250}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Orthotics supply & fit: $100}

Osteopathy*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chiropractic & 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 person}

{combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy}

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 person}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $25}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & 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

{$500 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $50}

General dental $300 limit is for direct fillings. Cover also includes dental check ups with service limits, that are not part of the general dental annual limit. Endodontic, periodontic, oral surgery & occlusal treatment - combined limit of $400. Crowns and Bridges - $750 annual limit. Dentures - $600 every 3 years from the date of service. Orthodontic accrues at $250 per calendar year, up to lifetime limit of $1,500 for Orthodontist ($1,000 for General Dentist). Hearing aid limits increase from $500 to $1200 based on tenure and renews every 3 years from the date of service. 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
Chinese medicine
Exercise physiology
Home nursing
Psychology
Remedial massage

Other features of this general treatment cover: $500 combined annual limit for artificial aids (low vision aids, blood glucose monitors, foot orthotics). Foot orthotics is included under the artificial aids limit and has a sub-limit of $200 (1 pair per person per year). Cover for Health Management Programs such as weight management, with a limit of $100 per person/ $200 per family policy. Travel and accommodation limit of $400 applies and $800 annual limit for school accident benefit.

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

Other features of this ambulance cover: If you are a resident of QLD you're covered under your state ambulance service scheme Australia-wide and benefits for ambulance services are not payable under your HCF policy.

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

Insurer Details

HCF

HOSPITAL ADVANCED SAVINGS SILVER PLUS & EXTRA BENEFITS

$553.56 / month

(Before Rebate, Discount & Loading)

Available in QLD

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/J25K/QOJF1D

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