HCF
HCF TOP EXTRAS
HCF
How $177.39 is worked out
- Premium as filed - $233.77 a month
- Government rebate - 24.1% of the premium (never of the loading): -$56.38
- A month - $177.39
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): $38.00; Scale and clean (item 114): $76.00; Fluoride treatment (item 121): $29.00 | no yearly limit |
| Major dental | 12 months | Tooth extraction (item 322): $210.00; Crown (item 615): $1000.00 | $1,000 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $191.00 | $1,000 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): $800.00 | $800 per person a year, $2,400 lifetime |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $275 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $50.00 | $280 per person a year (shared with other services) |
| Physiotherapy * | 2 months | First visit: $60.00; Follow-up visit: $54.00 | $600 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $45.00; Follow-up visit: $38.00 | $300 per person a year (shared with other services) |
| Podiatry * | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $250 per person a year (shared with other services) |
| Psychology * | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $600 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year (shared with other services) |
| Hearing aids | 12 months | Hearing aid: $800.00 | $800 per person a year, 1 service every 3 years |
| Blood glucose monitors | 12 months | Blood: $55.00 | $55 per person a year, $200 per policy a year |
| Audiology | 2 months | First visit: $70.00; Follow-up visit: $70.00 | $250 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $300 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $55.00; Follow-up visit: $55.00 | $250 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $600 per person a year (shared with other services) |
| Health management programs | 2 months | Benefit: $200.00 | $200 per person a year, $400 per policy a year |
| Occupational therapy | 2 months | First visit: $72.00; Follow-up visit: $72.00 | $600 per person a year (shared with other services) |
| Orthotics | 12 months | Benefit: $130.00 | $250 per person a year (shared with other services) |
| Osteopathy * | 2 months | First visit: $50.00; Follow-up visit: $43.00 | $300 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $83.00; Follow-up visit: $83.00 | $250 per person a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $50.00 | $280 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 ($120) 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 in annual limits. In chair treatment teeth whitening provided by a dentist, service limits apply - in-chair treatment – max 8 teeth/session; applies every 36 months. Orthodontic limit for other dentists is $400 annual limit and a $1,200 lifetime limit. Increasing limits for some services, up to a maximum amount. Foot orthotics annual limit is capped at Year 1. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses). Travel & accommodation benefit $250/policy/year and school accident benefit $200/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.
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 I24/VISB1Y, 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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