HCF
HCF MY FAMILY SILVER PLUS $750 EXCESS
HCF
How $109.60 is worked out
- Premium as filed - $144.43 a month
- Government rebate - 24.1% of the premium (never of the loading): -$34.83
- A month - $109.60
Go to insurer no commission on this policy
Hospital: what is covered
Covered (30)
- 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
- 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
Restricted (1)
- Hospital psychiatric services
Not covered (7)
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $750 per admission. $750 per person a year. $750 per policy a year. No excess for accidents.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - Yes
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Pregnancy and birth - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: Affordable hospital cover packaged with flexible 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.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $33.00; Scale and clean (item 114): $63.00; Fluoride treatment (item 121): $27.00 | $800 per policy a year (shared with other services) |
| Major dental * | 12 months | Tooth extraction (item 322): $167.00; Crown (item 615): $600.00 | $800 per policy a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): $165.00 | $800 per policy a year (shared with other services) |
| Glasses and contact lenses | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per policy a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $50.00 | $800 per policy a year (shared with other services) |
| Physiotherapy * | 2 months | First visit: $56.00; Follow-up visit: $49.00 | $800 per policy a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $38.00; Follow-up visit: $33.00 | $800 per policy a year (shared with other services) |
| Psychology * | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $800 per policy a year (shared with other services) |
| Acupuncture * | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $800 per policy a year (shared with other services) |
| Remedial massage * | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $800 per policy a year (shared with other services) |
| Chinese herbal medicine * | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $800 per policy a year (shared with other services) |
| Dietitian * | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $800 per policy a year (shared with other services) |
| Exercise physiology * | 2 months | First visit: $33.00; Follow-up visit: $33.00 | $800 per policy a year (shared with other services) |
| Health management programs * | 2 months | Benefit: $110.00 | $800 per policy a year (shared with other services) |
| Osteopathy * | 2 months | First visit: $46.00; Follow-up visit: $39.00 | $800 per policy a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: $50.00 | $800 per policy a year (shared with other services) |
Not covered: Braces, Podiatry, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Speech therapy.
* Features a combined limit of $800 per person per calendar year. A higher psychology benefit ($70) may apply after Medicare Mental Health Treatment Plan is used up.
Other services, as filed: A flexible mid level 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. Health Management Programs include ante/post natal services such as child birth education classes, lactation consults, pregnancy compression garments & Australian Breastfeeding Association fees. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses).
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Northern Territory
HCF has agreements with 2 private hospitals here, as filed with the Ombudsman.
The list
- Darwin Day Surgery - Wanguri (day hospital)
- Darwin Private Hospital - Tiwi
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Member retention (hospital cover)
83.7% is the Commonwealth Ombudsman's figure for HCF in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement J36/DNDG10, filed by HCF, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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