HCF
HCF VITAL EXTRAS
HCF
How $135.14 is worked out
- Premium as filed - $178.09 a month
- Government rebate - 24.1% of the premium (never of the loading): -$42.95
- A month - $135.14
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): $35.00; Scale and clean (item 114): $65.00; Fluoride treatment (item 121): $28.00 | no yearly limit |
| Major dental | 12 months | Tooth extraction (item 322): $184.00; Crown (item 615): $850.00 | $850 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $170.00 | $850 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): $700.00 | $700 per person a year, $2,100 lifetime |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $250 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $50.00 | $180 per person a year (shared with other services) |
| Physiotherapy * | 2 months | First visit: $58.00; Follow-up visit: $49.00 | $350 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $250 per person a year (shared with other services) |
| Podiatry * | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $200 per person a year (shared with other services) |
| Psychology * | 2 months | First visit: $65.00; Follow-up visit: $65.00 | $350 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $250 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $250 per person a year (shared with other services) |
| Hearing aids | 12 months | Hearing aid: $600.00 | $600 per person a year, 1 service every 3 years |
| Blood glucose monitors | 12 months | Blood: $45.00 | $45 per person a year, $150 per policy a year |
| Audiology | 2 months | First visit: $60.00; Follow-up visit: $60.00 | $200 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $250 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $200 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $33.00; Follow-up visit: $33.00 | $350 per person a year (shared with other services) |
| Health management programs | 2 months | Benefit: $150.00 | $150 per person a year, $300 per policy a year |
| Occupational therapy | 2 months | First visit: $62.00; Follow-up visit: $62.00 | $350 per person a year (shared with other services) |
| Orthotics | 12 months | Benefit: $110.00 | $200 per person a year (shared with other services) |
| Osteopathy * | 2 months | First visit: $48.00; Follow-up visit: $41.00 | $250 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $60.00; Follow-up visit: $60.00 | $200 per person a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $50.00 | $180 per person a year (shared with other services) |
Not covered: Antenatal and postnatal, Eye therapy (orthoptics), Home nursing.
* 100% back on a range of no-gap services through HCF More for You programs, at HCF No Gap network providers and subject to annual limits. A higher psychology benefit ($100) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
Other services, as filed: Preventative and Diagnostic dental with service limits not included in annual limits. In chair treatment teeth whitening provided by a dentist, included in overall dental annual limit, service limits apply - 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. Foot orthotics annual limit capped at Year 1. Mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses) included. Travel & accommodation benefit $200/policy and school accident benefit $150/eligible person. Health management programs include HCF approved programs (e.g. exercise classes, group physio & group exercise physiology classes, weight management and learn to swim).
Many services have increasing limits with tenure, up to a maximum amount. See the HCF product summary for more information. Benefit for 615 Full crown veneered increases to $900 in year 2 on Vital Extras.
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.
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 I23/VIQM1Y, 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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