HCF

HCF MY FAMILY ADVANCED SILVER PLUS $500 EXCESS

$607.14 / 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: 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/J37/VLOG1D

Source: Private Health Information Statement (PHIS)

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)

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

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

Joint reconstructions

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

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

Assisted reproductive services

Cataracts

Dialysis for chronic kidney failure

Insulin pumps

Joint replacements

Pain management with device

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 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

Affordable hospital cover packaged with flexible and comprehensive extras. Designed for growing families who want pregnancy cover and a range of extras services and therapies. No excess for accident related treatment and dependants under 25. Includes involuntary unemployment assistance, accident safeguard, 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.

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

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $36
Subsequent visit: $36

Blood glucose monitors* 12

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Per monitor: $45

Chinese medicine 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $36
Subsequent visit: $36

Chiropractic* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $40
Subsequent visit: $35

Dietetics/dietary advice* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $45
Subsequent visit: $45

Endodontic* 12

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Filling of one root canal: $170

Exercise physiology* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $33
Subsequent visit: $33

General dental* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Fluoride treatment: $28
Scale & clean: $65
Periodic oral examination: $35

Health management / Healthy lifestyle* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Health management: $150

Major dental* 12

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Surgical tooth extraction: $184
Full crown veneered: $900

Non PBS pharmaceuticals* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Per eligible prescription: $50

Occupational therapy* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $62
Subsequent visit: $62

Optical 2

$250 per person

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

Orthodontic* 12

$1,200 per person

$2,100 lifetime limit

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Braces for upper & lower teeth, including removal plus fitting of retainer: $700

Orthotics (podiatric orthoses)* 12

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Orthotics supply & fit: $110

Osteopathy* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $48
Subsequent visit: $41

Physiotherapy* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $58
Subsequent visit: $49

Podiatry* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $35
Subsequent visit: $35

Psychology* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $65
Subsequent visit: $65

Remedial massage* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $36
Subsequent visit: $36

Speech therapy* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Initial visit: $60
Subsequent visit: $60

Vaccinations* 2

$1,200 per person

combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services

Per service: $50

Acupuncture*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Blood glucose monitors*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Per monitor: $45}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Chiropractic*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & 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

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Endodontic*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Filling of one root canal: $170}

Exercise physiology*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Fluoride treatment: $28}

{Scale & clean: $65}

{Periodic oral examination: $35}

Health management / Healthy lifestyle*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Health management: $150}

Major dental*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Surgical tooth extraction: $184}

{Full crown veneered: $900}

Non PBS pharmaceuticals*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Per eligible prescription: $50}

Occupational therapy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $62}

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

{$1,200 per person}

{$2,100 lifetime limit}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $700}

Orthotics (podiatric orthoses)*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Orthotics supply & fit: $110}

Osteopathy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $48}

{Subsequent visit: $41}

Physiotherapy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $58}

{Subsequent visit: $49}

Podiatry*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Psychology*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $65}

{Subsequent visit: $65}

Remedial massage*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Speech therapy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $60}

Vaccinations*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for acupuncture, blood glucose monitors, chinese medicine, chiropractic, dietetics/dietary advice, endodontic, exercise physiology, general dental, health management / healthy lifestyle, major dental, non pbs pharmaceuticals, occupational therapy, orthodontic, orthotics (podiatric orthoses), osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy, vaccinations & other services}

Examples of maximum benefits

{Per service: $50}

A comprehensive flexible extras package that covers a range of services particularly for growing families. In chair teeth whitening treatment provided by a dentist included, a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Orthodontic limit for other dentists is $350 annual limit and $1,050 lifetime limit. Health Management Programs include ante/post natal services such as child birth education classes, lactation consults, pregnancy compression garments & Australian Breastfeeding Assoc fees. 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

Audiology

Eye therapy (orthoptics)

Hearing aids

Home nursing

HCF MY FAMILY ADVANCED SILVER PLUS $500 EXCESS

Policy ID: HCF/J37/VLOG1D

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

HCF

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