HCF

HCF FUTURE CARE 250 BASIC PLUS

Corporate Policy

$370.82 / month

(Before Rebate, Discount & Loading)

Available in SA

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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).

Corporate policy: This is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.

Policy ID: HCF/J41A/SMTB20

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

Bone, joint and muscle

Dental surgery

Ear, nose and throat

Gynaecology

Hernia and appendix

Hospital psychiatric services

Joint reconstructions

Miscarriage and termination of pregnancy

Palliative care

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services

Back, neck and spine

Blood

Brain and nervous system

Breast surgery (medically necessary)

Cataracts

Chemotherapy, radiotherapy and immunotherapy for cancer

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

Digestive system

Eye (not cataracts)

Gastrointestinal endoscopy

Heart and vascular system

Implantation of hearing devices

Insulin pumps

Joint replacements

Kidney and bladder

Lung and chest

Male reproductive system

Pain management

Pain management with device

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

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: You will have to pay an excess of $250 per admission. This is limited to a maximum of $250 per person and $500 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
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

An affordable and 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, accident safeguard, 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.

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

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Initial visit: $30
Subsequent visit: $30

Chinese medicine* 2

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Initial visit: $30
Subsequent visit: $30

Chiropractic* 2

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Initial visit: $30
Subsequent visit: $23

Endodontic* 12

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Filling of one root canal: $140

Exercise physiology* 2

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Initial visit: $26
Subsequent visit: $26

General dental* 2

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Fluoride treatment: $25
Scale & clean: $57
Periodic oral examination: $29

Major dental* 12

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Surgical tooth extraction: $156

Optical 2

$180 per person

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

Osteopathy* 2

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Initial visit: $38
Subsequent visit: $32

Physiotherapy* 2

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Initial visit: $42
Subsequent visit: $35

Psychology* 2

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Initial visit: $28
Subsequent visit: $28

Remedial massage* 2

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Initial visit: $27
Subsequent visit: $27

Vaccinations* 2

$900 per person

combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services

Per service: $50

Acupuncture*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Chinese medicine*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Chiropractic*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $23}

Endodontic*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Filling of one root canal: $140}

Exercise physiology*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $26}

{Subsequent visit: $26}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Fluoride treatment: $25}

{Scale & clean: $57}

{Periodic oral examination: $29}

Major dental*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Surgical tooth extraction: $156}

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

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $38}

{Subsequent visit: $32}

Physiotherapy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $35}

Psychology*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Remedial massage*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $27}

{Subsequent visit: $27}

Vaccinations*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, endodontic, exercise physiology, general dental, major dental, osteopathy, physiotherapy, psychology, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Per service: $50}

Features a combined limit, with a separate optical limit. Includes a range of no-gap services delivered through participating physiotherapists and optical providers in selected states and mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses). Also including In chair treatment and home application teeth whitening provided by a dentist, service limits apply - in-chair treatment – max 8 teeth/session – or one take home kit; applies every 36 months.

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Dietetics/dietary advice

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Non PBS pharmaceuticals

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Podiatry

Speech therapy

Other features of this general treatment cover: Features a combined limit of $900, with a separate optical limit of $180 per person per calendar year. Includes a range of no-gap services delivered through participating physiotherapists and optical providers in selected states, depending on level of cover. A higher psychology benefit ($48) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.

HCF FUTURE CARE 250 BASIC PLUS

Policy ID: HCF/J41A/SMTB20

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

HCF

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