How $69.11 is worked out
- Premium as filed - $91.08 a month
- Government rebate - 24.1% of the premium (never of the loading): -$21.97
- A month - $69.11
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): 60% back; Scale and clean (item 114): 60% back; Fluoride treatment (item 121): 60% back; Tooth extraction (item 322): 60% back | $650 per person a year (shared with other services) |
| Glasses and contact lenses | 2 months | Single vision glasses: 60% back; Multifocal glasses: 60% back | $175 per person a year |
| Physiotherapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $650 per person a year (shared with other services) |
| Acupuncture * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $650 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: 60% back; Follow-up visit: 60% back | $100 per person a year |
| Chinese herbal medicine * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $650 per person a year (shared with other services) |
| Dietitian * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $650 per person a year (shared with other services) |
| Exercise physiology * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $650 per person a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: 60% back | $650 per person a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Prescriptions not on the PBS, Chiropractic, Podiatry, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Osteopathy, Speech therapy.
* Features a combined limit of $650 per person per calendar year. General dental includes 100% back on 1 check-up, 1 scale and clean and 1 fluoride at participating No Gap providers and subject to annual limit. Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit HCF pay on services included in your Flex My Extras cover.
Other services, as filed: Features a combined limit, with a separate optical, remedial massage and myotherapy limit. Offers digital mental health service, HCF-approved Online Cognitive Behavioural Therapy courses and teeth whitening (2 and 12 months wait period).
Features a combined limit of $650, with a separate optical limit of $175 and a separate remedial massage and myotherapy limit of $100, both per person per calendar year. Includes a range of no-gap services delivered through participating dental providers in selected states, depending on level of cover.
No yearly limit on preventative dental.
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.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $81.18 |
| NSW | Just me | None | $40.59 |
| NT | Me and my partner | None | $74.06 |
| NT | Just me | None | $37.03 |
| QLD | Me and my partner | None | $87.58 |
| QLD | Just me | None | $43.79 |
| SA | Me and my partner | None | $91.64 |
| SA | Just me | None | $45.82 |
| TAS | Me and my partner | None | $68.76 |
| TAS | Just me | None | $34.38 |
| VIC | Me and my partner | None | $91.08 |
| VIC | Just me | None | $45.54 |
| WA | Me and my partner | None | $81.90 |
| WA | Just me | None | $40.95 |
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 I31/VOYO20, 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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