HCF
HCF STARTER EXTRAS
HCF
How $28.68 is worked out
- Premium as filed - $37.80 a month
- Government rebate - 24.1% of the premium (never of the loading): -$9.12
- A month - $28.68
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $29.00; Scale and clean (item 114): $57.00; Fluoride treatment (item 121): $25.00 | $350 per person a year, $700 per policy a year |
| Physiotherapy | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $150 per person a year, $300 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $33.00; Follow-up visit: $28.00 | $150 per person a year, $300 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $150 per person a year, $300 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $150 per person a year, $300 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $150 per person a year, $300 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $40.00; Follow-up visit: $36.00 | $150 per person a year, $300 per policy a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Glasses and contact lenses, Prescriptions not on the PBS, Podiatry, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
* General dental includes 100% back on 1 check-up at participating providers and subject to annual limit.
Other services, as filed: HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy. Other services include simple extractions, direct fillings (1-2 surfaces) and In chair teeth whitening treatment provided by a dentist with a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months, under the combined general dental limit. Myotherapy service under the combined physiotherapy, chiropractic, osteopathy and natural therapy limit.
A basic extras option that covers general dental and selected therapies at a budget-friendly, entry level price.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
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 I20/WILZ1Y, 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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