HCF
HCF MY FUTURE 250 BASIC PLUS
HCF
How $275.21 is worked out
- Premium as filed - $362.68 a month
- Government rebate - 24.1% of the premium (never of the loading): -$87.47
- A month - $275.21
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. $250 per admission. $250 per person a year. $500 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 admissions 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 | $900 per person a year (shared with other services) |
| Major dental * | 12 months | Tooth extraction (item 322): $156.00 | $900 per person a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): $138.00 | $900 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 | $900 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $30.00; Follow-up visit: $26.00 | $900 per person a year (shared with other services) |
| Psychology * | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $900 per person a year (shared with other services) |
| Acupuncture * | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $900 per person a year (shared with other services) |
| Remedial massage * | 2 months | First visit: $27.00; Follow-up visit: $27.00 | $900 per person a year (shared with other services) |
| Chinese herbal medicine * | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $900 per person a year (shared with other services) |
| Exercise physiology * | 2 months | First visit: $26.00; Follow-up visit: $26.00 | $900 per person a year (shared with other services) |
| Osteopathy * | 2 months | First visit: $38.00; Follow-up visit: $36.00 | $900 per person a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: $50.00 | $900 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 $900 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 Victoria
HCF has agreements with 113 private hospitals here, as filed with the Ombudsman.
The list
- Adeney Private Hospital - Kew
- Avive Clinic Mornington Peninsula - Mount Eliza
- Ballarat Day Procedure Centre - Wendouree (day hospital)
- Bayside Day Procedure and Specialist Centre - Frankston (day hospital)
- Beleura Private Hospital - Mornington
- Bendigo Day Surgery - Bendigo (day hospital)
- Boroondara Day Surgery - Hawthorn (day hospital)
- Brunswick Private Hospital - Brunswick
- Cabrini Brighton - Brighton
- Cabrini Malvern - Malvern
- Camberwell Day Surgery - Hawthorn East (day hospital)
- Casey Day Hospital - Narre Warren (day hospital)
- Chesterville Day Hospital - Cheltenham (day hospital)
- Coburg Endoscopy Centre - Coburg (day hospital)
- Corymbia Day Hospital - Dandenong (day hospital)
- Delmont Private Hospital - Glen Iris
- Diamond Valley Renal Care Centre - Greensborough (day hospital)
- Donvale Rehabilitation Hospital - Donvale
- Dorset Rehabilitation Centre - Pascoe Vale
- Eastside Endoscopy Centre - Ringwood (day hospital)
- Epworth Camberwell - Camberwell
- Epworth Eastern - Box Hill
- Epworth Freemasons - East Melbourne
- Epworth Geelong - Waurn Ponds
- Epworth Hawthorn - Hawthorn
- Epworth Richmond - Richmond
- Essendon Day Procedure Centre - Moonee Ponds (day hospital)
- Essendon Private Clinic - Essendon West
- Fertility Control Clinic - East Melbourne (day hospital)
- Footscray Day Surgery - Footscray (day hospital)
- Forest Hill Dialysis Clinic - Forest Hill (day hospital)
- Frances Perry House - Parkville
- Glen Eira Day Surgery - Caulfield South (day hospital)
- Glen Iris Private - Glen Iris (day hospital)
- Hampton Day Hospital - Hampton East (day hospital)
- Hobson Healthcare Sydenham - Sydenham (day hospital)
- Hobson Healthcare Werribee - Werribee (day hospital)
- Holmesglen Private Hospital - Moorabbin
- Jessie McPherson Private Hospital - Clayton
- John Fawkner Private Hospital - Coburg
- Keilor Private - Keilor (day hospital)
- Kew Endoscopy Centre - Kew East (day hospital)
- Knox Day Hospital - Bayswater (day hospital)
- Knox Private Hospital - Wantirna
- La Trobe Private Hospital - Bundoora
- Linacre Private Hospital - Hampton
- Malvern Dialysis Clinic - Malvern (day hospital)
- Malvern Private Hospital - Malvern East
- Manningham Private Hospital - Templestowe Lower (day hospital)
- Maryvale Private Hospital - Morwell
- Masada Private Hospital - East St Kilda
- Melbourne IVF Procedure Centre - Collingwood (day hospital)
- Melbourne Private Hospital - Parkville
- Mildura Health Private Hospital - Mildura
- Mitcham Private Hospital - Mitcham
- Monash Heart Private Operated By Jessie Mcpherson Private Hospital - Clayton
- Monash House Private Hospital - Clayton
- Mulgrave Private Hospital - Mulgrave
- Neerim Health - Neerim South
- Noble Park Endoscopy Centre - Noble Park (day hospital)
- North Melbourne Renal Care Centre - North Melbourne
- North West Day Hospital - Ascot Vale (day hospital)
- Northern Private Hospital - Epping
- Northpark Private Hospital - Bundoora
- Panch Day Surgery Centre - Preston (day hospital)
- Paso Infusion Centre - Frankston (day hospital)
- Peninsula Private Hospital (Vic) - Langwarrin
- Ramsay Clinic Albert Road - Melbourne
- Ringwood Private Hospital - East Ringwood
- Rosebud Day Hospital - Rosebud (day hospital)
- Shepparton Private Hospital - Shepparton
- Sir John Monash Private Hospital - Clayton (day hospital)
- Skin Cancer Day Surgery - Ashwood (day hospital)
- Skin Health Institute - Carlton (day hospital)
- South Eastern Private Hospital - Noble Park
- Southern Eye Centre Day Surgery - Frankston (day hospital)
- Specialist Surgicentre Geelong - Geelong (day hospital)
- Springvale Endoscopy Centre and Day Hospital - Springvale (day hospital)
- St John Of God Berwick Hospital - Berwick
- St John Of God Frankston Rehabilitation Hospital - Frankston
- St John Of God Geelong Hospital - Geelong
- St John Of God Langmore Centre - Berwick
- St John of God Ballarat Hospital - Ballarat
- St John of God Bendigo Hospital - Bendigo
- St John of God Berwick Day Oncology Centre - Berwick (day hospital)
- St John of God Warrnambool Hospital - Warrnambool
- St Vincent's Private Hospital East Melbourne - East Melbourne
- St Vincent's Private Hospital Fitzroy - Fitzroy
- St Vincent's Private Hospital Kew - Kew
- St Vincents Private Hospital Werribee - Werribee
- Stonnington Day Surgery - Malvern (day hospital)
- Sunshine Dialysis Clinic - St Albans (day hospital)
- The Avenue Private Hospital - Windsor
- The Bays Healthcare Group Inc - Mornington
- The Digestive Health Centre - Dandenong (day hospital)
- The Geelong Clinic - St Albans Park
- The Melbourne Clinic - Richmond
- The Melbourne Eastern Private Hospital - Boronia
- The Victoria Clinic - Prahran
- The Victorian Rehabilitation Centre - Glen Waverley
- Vermont Private Hospital - Vermont South
- Victoria Parade Surgery Centre - East Melbourne (day hospital)
- Victorian Gut Centre Bundoora - Bundoora (day hospital)
- Wangaratta Private Hospital - Wangaratta
- Warringal Private Hospital - Heidelberg
- Waverley Endoscopy - Mount Waverley (day hospital)
- Waverley Private Hospital - Mount Waverley
- WestPoint Endoscopy Day Hospital - Werribee (day hospital)
- Western Gastroenterology Services - Footscray (day hospital)
- Western Private Hospital - Footscray
- Whitehorse Day Surgery - Box Hill (day hospital)
- Windsor Private Hospital - Windsor
- Wyndham Clinic Private Hospital - Werribee
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 | $250 | $356.50 |
| NSW | Just me | $250 | $178.25 |
| NT | Me and my partner | $250 | $186.22 |
| NT | Just me | $250 | $93.11 |
| QLD | Me and my partner | $250 | $377.72 |
| QLD | Just me | $250 | $188.86 |
| SA | Me and my partner | $250 | $371.08 |
| SA | Just me | $250 | $185.54 |
| TAS | Me and my partner | $250 | $362.68 |
| TAS | Just me | $250 | $181.34 |
| VIC | Me and my partner | $250 | $363.40 |
| VIC | Just me | $250 | $181.70 |
| WA | Me and my partner | $250 | $280.46 |
| WA | Just me | $250 | $140.23 |
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 J40A/TMFD20, 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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