Extras Cover

HCF extras products

Super Multicover

Our premium extras cover. It offers generous benefits and limits - more than $11,000 per person per year - for a comprehensive range of health care services:

Physiotherapy
Hydrotherapy
Exercise physiology
Occupational therapy
Speech pathology
Audiology
Psychology
Dietetics
Podiatry
General dental

Can only be taken when combined with Top Plus hospital.

These extras covers include:

Diagnostic dental, preventative dental, restorative dental (fillings), orthodontic

Optical

Chiropractic, osteopathy, physiotherapy, hydrotherapy

Pharmaceutical (non-PBS)

Remedial massage and acupuncture

Occupational therapy and speech pathology

Benefits vary depending on the level of cover.

Multicover

Offers generous benefit limits for an extensive range of essential health services - over $10,000 worth, including:

General dental
Orthodontic
Optical
Physiotherapy
Generous natural therapies
Psychology
Dietetics
HCF Health Management Programs

Can be taken on its own or combined with a hospital product.

General Extras Plus

For those who only want cover for the basics such as:

General dental (does not cover more complex dental services such as crowns and bridges or periodontic treatment)
Optical
Physiotherapy
Acupuncture
Remedial massage
Chiropractic
Pharmaceutical benefits

Can only be taken when combined with a hospital product.

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