Multicover only

With this product you’ll get:

  • Comprehensive extras
  • Ambulance included
  • 2 free dental check-ups per year at an HCF Dental Centre or More for teethMore for teeth

    With HCF’s More for teeth program, you can access a range of fully covered diagnostic and preventive dental services (such as a scale and clean) from participating dentists. More for teeth is available at HCF Dental centres and over 4,500 participating providers in regional / rural NSW, ACT, Queensland, Victoria, South Australia and Western Australia. Subject to your available extras limits.
    program dentist
  • Access to a fully covered initial consultation with a participating physiotherapist (maximum of one each year) when being treated for a new condition or the flare-up of an existing chronic condition under our More for musclesMore for muscles

    With HCF’s unique More for muscles program, you can access a fully covered initial consultation with a participating physiotherapist (maximum of one each year) when being treated for a new condition or the flare-up of an existing chronic condition.
    program.
  • Access free digital retina imaging and a range of fully covered glasses under our More for eyesMore for eyes

    With HCF’s unique More for eyes program, you are entitled to free eye health checks through digital retina imaging at participating providers. You can also choose from a range of fully covered glasses from participating providers subject to your available extras limits.
    program.
  • Access to More for backs More for backs

    The More for backs program provides members with extras cover with access to a fully covered initial consultation with a participating chiropractor or osteopath for a new condition or the acute flare-up of an existing chronic condition.
    program
  • Access to More for feet More for feet

    The More for feet program provides members with eligible ancillary cover with access to a fully covered comprehensive service (maximum of one each year) for your first consultation with a participating podiatrist when being treated for a new condition or the acute flare-up of an existing condition.
    program
  • Essential dental including check-ups, x-rays, fluoride treatment and more
  • Major dental such as root canal surgery, crowns and bridges
  • Up to $220 (per person) per year for Optical
  • Health management (e.g. weight management, exercise regimes)
  • A wide range of therapies and natural therapies including physio, chiro, podiatry, remedial massage and more...

View full product details including benefits, waiting periods, restrictions & exclusions. [PDF]

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Service

Annual limitsAnnual limits are per person unless otherwise specified. They are also not indications of the benefits you’ll receive for individual treatments.

Waiting periods

Dental

Diagnostic and preventative

2 check-ups, 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.

2 months

Restorative (e.g. Fillings)

$550

Oral surgery (e.g. Tooth extractions)

$500

12 months

Endodontic services (e.g. Root canal)

Periodontic services (e.g. Gum treatment)

Orthodontics (by an Orthodontist)

$440 - $2,640

Dentures

$800 every 3 years

Crowns, bridges and implants

$800

Optical

Spectacles and Contacts

$220

2 months

Therapies

Physiotherapy, group physiotherapy and hydrotherapy

$600

2 months

Chiropractic, osteopathy and exercise physiology

$500
Sublimit of $375 each for chiropractic, osteopathy and exercise physiology

Occupational therapy

$500

Speech pathology

$500
(Max. $200 for audiology)

Audiology

Dietetics

$300

Podiatry consultation

$200

Psychology (After Medicare exhausted)

$300

Acupuncture and Chinese herbal medicine consultation

$200
(Max. $100 for Chinese herbal medicine consultation)

Remedial massage and myotherapy

$200

Naturopathy and nutrition consultation

Alexander technique

Homoeopathy

Others

Pharmacy (HCF approved, non-PBS)

$600

2 months

HCF approved health management programs (e.g. Weight management course)

$150 per person
(Max. $300 per family)

6 months

School accident cover (Approved services)

$800

2-12 months

Hearing aids

$600 - $1,600

24 months

Travel and accommodation

Up to $400
(Sub limits apply)

2 months

Artificial aids (Approved appliances e.g. CPAP machine)

$500

12 months