How $45.61 is worked out
- Premium as filed - $60.11 a month
- Government rebate - 24.1% of the premium (never of the loading): -$14.50
- A month - $45.61
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): $33.00; Scale and clean (item 114): $63.00; Fluoride treatment (item 121): $27.00 | $700 per person a year (shared with other services) |
| Major dental | 12 months | Tooth extraction (item 322): $167.00; Crown (item 615): $600.00 | $700 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $165.00 | $700 per person a year (shared with other services) |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per person a year |
| Physiotherapy | 2 months | First visit: $56.00; Follow-up visit: $49.00 | $350 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $38.00; Follow-up visit: $34.00 | $150 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $150 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $150 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $150 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: $50.00 | $50 per person a year, $100 per policy a year |
| Osteopathy | 2 months | First visit: $46.00; Follow-up visit: $39.00 | $150 per person a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $50.00 | $100 per person a year |
Not covered: Braces, Prescriptions not on the PBS, Podiatry, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Dietitian, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Speech therapy.
* Includes 100% back on 2 dental check-ups, prescription glasses and free digital retinal imaging with an eye test, at participating providers and subject to annual limits.
Other services, as filed: Includes mental health services such as; HCF-approved counselling, accredited mental health social worker - includes group/individual consultations and HCF-approved Online Cognitive Behavioural Therapy courses. In chair teeth whitening treatment provided by a dentist - benefit $50 per person with a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months.
Health management programs include HCF approved programs (e.g. exercise classes, group physiotherapy and group exercise physiology classes, weight management, learn to swim, antenatal and postnatal services including childbirth education and breastfeeding consultations).
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 I30/TKWD1D, 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.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.