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 Oral Health Program dentist
  • 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...

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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

Preventative dental health care (e.g. check-ups, cleans, fluoride)

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

2 months

Restorative dental (e.g. fillings)

$550

Oral surgery (e.g. tooth extractions)

$500

12 months

Endodontic dental (e.g. root canal)

Periodontic dental (e.g. gum treatment)

Orthodontics by an Orthodontist

$440 - $2,640

12 months

Dentures

$800 every 3 years

Crowns and bridges

$800

Optical

$220

2 months

Physiotherapy, group physiotherapy and hydrotherapy

$600 - $1,200

Chiropractic, osteopathy and exercise physiology

$600 - $1,200
(max. $600 each for chiro and osteo, and $250 for exercise physiology)

Occupational therapy

$500

Speech pathology

$500
(max. $200 for audiology)

Audiology

Dietetics

$300

Podiatry consultations

$200

Psychology (once the year’s Medicare entitlement is exhausted)

$300

Acupuncture and Chinese herbal medicine consultations

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

Remedial massage and myotherapy

$200

Naturopathic consultations and homeopathy

Alexander technique

Pharmacy (HCF approved, non-PBS)

$600

HCF approved health management programs (e.g. weight management programs)

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

6 months

School accident cover (approved services)

$800

2 months

Hearing aids

$600 - $1,600

2 years

Home nursing and travel and accommodation

Up to $400
(sub limits apply)

2 months

Aids and appliances (e.g. CPAP machine)

$500

12 months