HCF
HCF MY FUTURE 500 BASIC PLUS
HCF
How $196.43 is worked out
- Premium as filed - $258.86 a month
- Government rebate - 24.1% of the premium (never of the loading): -$62.43
- A month - $196.43
Go to insurer no commission on this policy
Hospital: what is covered
Covered (10)
- Bone, joint and muscle
- Dental surgery
- Ear, nose and throat
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Miscarriage and termination of pregnancy
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (25)
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Basic Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $500 per admission. $500 per person a year. $1,000 per policy a year. No excess for accidents.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - Yes
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: An affordable and combined hospital and extras package designed for healthy young singles and couples without dependant kids. No excess for accident related treatment. Includes involuntary unemployment assistance, accident safeguard, travel and accommodation benefits for hospital admission and cover for unlimited emergency ambulance trips. See fund rules for more information. Access to over 100 exclusive offers through HCF Thank You program. For more information visit: www.hcf.com.au/thankyou.
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 | $750 per person a year (shared with other services) |
| Major dental * | 12 months | Tooth extraction (item 322): $156.00 | $750 per person a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): $138.00 | $750 per person a year (shared with other services) |
| Glasses and contact lenses | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $180 per person a year |
| Physiotherapy * | 2 months | First visit: $38.00; Follow-up visit: $32.00 | $750 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $30.00; Follow-up visit: $26.00 | $750 per person a year (shared with other services) |
| Psychology * | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $750 per person a year (shared with other services) |
| Acupuncture * | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $750 per person a year (shared with other services) |
| Remedial massage * | 2 months | First visit: $27.00; Follow-up visit: $27.00 | $750 per person a year (shared with other services) |
| Chinese herbal medicine * | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $750 per person a year (shared with other services) |
| Exercise physiology * | 2 months | First visit: $26.00; Follow-up visit: $26.00 | $750 per person a year (shared with other services) |
| Osteopathy * | 2 months | First visit: $38.00; Follow-up visit: $36.00 | $750 per person a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: $50.00 | $750 per person a year (shared with other services) |
Not covered: Braces, Prescriptions not on the PBS, Podiatry, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Dietitian, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy.
* Features a combined limit of $750 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. A higher psychology benefit ($55) may apply after Medicare Mental Health Treatment Plan is used up.
Other services, as filed: Features a combined limit, with a separate optical limit. Includes a range of no-gap services delivered through participating physiotherapists and optical providers in selected states. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses). In chair treatment and home application teeth whitening provided by a dentist, service limits apply - in-chair treatment – max 8 teeth/session – or one take home kit; applies every 36 months.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Western Australia
HCF has agreements with 38 private hospitals here, as filed with the Ombudsman.
The list
- Abbotsford Private Hospital - West Leederville
- Albany Day Hospital - Mira Mar (day hospital)
- Bethesda Hospital - Claremont
- Bunbury Day Hospital - Bunbury (day hospital)
- Cambridge Day Surgery - Wembley (day hospital)
- Concept Day Hospital - Subiaco (day hospital)
- Genesis Care Shenton House - Joondalup (day hospital)
- GenesisCare Mandurah - Mandurah (day hospital)
- Glengarry Private Hospital - Duncraig
- Hollywood Private Hospital - Nedlands
- Icon Cancer Centre Midland - Midland (day hospital)
- Icon Cancer Centre Rockingham - Rockingham (day hospital)
- Joondalup Health Campus - Joondalup
- Kings Park Day Hospital - West Perth (day hospital)
- Lions Eye Institute Day Surgery Centre - Nedlands (day hospital)
- Marian Centre - Wembley
- McCourt Street Day Surgery - West Leederville (day hospital)
- Mount Hawthorn Day Hospital - Mount Hawthorn (day hospital)
- Mount Hospital - Perth
- Murdoch Surgicentre - Murdoch (day hospital)
- Perth Clinic - West Perth
- Perth Dermatology Clinic - Perth (day hospital)
- Perth Eye Hospital - West Perth (day hospital)
- South Perth Hospital - South Perth
- Southbank Day Surgery - South Perth (day hospital)
- Spearwood Haemodialysis Unit - Spearwood (day hospital)
- St John Of God Bunbury Hospital - Bunbury
- St John Of God Geraldton Hospital - Geraldton
- St John Of God Midland Health Campus - Midland
- St John Of God Subiaco Eye Hospital - Wembley (day hospital)
- St John Of God Subiaco Hospital - Subiaco
- St John of God Murdoch Hospital - Murdoch
- Subiaco Private Hospital - Subiaco
- Sundew Day Surgery - Joondalup (day hospital)
- The Park Private Hospital - Mount Lawley
- Waikiki Private Hospital - Waikiki
- West Leederville Private Hospital - West Leederville
- Western Haematology and Oncology Clinics - West Perth (day hospital)
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 | $500 | $325.02 |
| NSW | Just me | $500 | $162.51 |
| NT | Me and my partner | $500 | $172.14 |
| NT | Just me | $500 | $86.07 |
| QLD | Me and my partner | $500 | $339.80 |
| QLD | Just me | $500 | $169.90 |
| SA | Me and my partner | $500 | $331.66 |
| SA | Just me | $500 | $165.83 |
| TAS | Me and my partner | $500 | $334.40 |
| TAS | Just me | $500 | $167.20 |
| VIC | Me and my partner | $500 | $322.50 |
| VIC | Just me | $500 | $161.25 |
| WA | Me and my partner | $500 | $258.86 |
| WA | Just me | $500 | $129.43 |
Member retention (hospital cover)
83.7% is the Commonwealth Ombudsman's figure for HCF in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
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 J40B/WMFV20, 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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