How $82.53 is worked out
- Premium as filed - $108.76 a month
- Government rebate - 24.1% of the premium (never of the loading): -$26.23
- A month - $82.53
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 | $350 per person a year |
| Major dental * | 12 months | Tooth extraction (item 322): 60% back; Crown (item 615): 60% back | $500 per person a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): 60% back | $500 per person a year (shared with other services) |
| Braces * | 12 months | Braces, upper and lower, with a retainer (item 881): 60% back | $450 per person a year, $1,950 lifetime |
| Glasses and contact lenses * | 2 months | Single vision glasses: 60% back; Multifocal glasses: 60% back | $225 per person a year |
| Physiotherapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Podiatry * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year |
| Psychology * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $300 per person a year |
| Acupuncture * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Remedial massage * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Antenatal and postnatal * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $125 per person a year (shared with other services) |
| Chinese herbal medicine * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Dietitian * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year |
| Exercise physiology * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per person a year (shared with other services) |
| Health management programs * | 2 months | Benefit: 60% back | $125 per person a year (shared with other services) |
| Occupational therapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $300 per person a year (shared with other services) |
| Osteopathy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Speech therapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $300 per person a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: 60% back | $180 per person a year |
Not covered: Prescriptions not on the PBS, Hearing aids, Blood glucose monitors, Audiology, Eye therapy (orthoptics), Home nursing, Orthotics.
* Choose any 4 services marked with an asterisk* in the list below: Major Dental & Endodontic count as 1 selection, Chiropractic & Osteopathy count as 1 selection, Physio & Exercise Physiology count as 1 selection, Mental Health Services includes Psychology, OCBT, Social Worker, & Counselling and counts as 1 selection, Natural Therapies includes Remedial Massage, Myotherapy, Chinese Herbal Medicine & Acupuncture and counts as 1 selection, Ante-natal & Post-natal consultations are included in Health Management Programs. General dental includes 100% back on 1 check-up, 1 scale and clean and 1 fluoride at participating No Gap providers, subject to annual limit
Other services, as filed: Loyalty annual limits apply to selected services. Annual limits displayed are at Year 1 limits. Members have the flexibility to swap service selections as needed, within the calendar year, as long as a claim has not been made on that service. Waiting periods and fund rules apply.
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 I31/VPXI1D, 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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