Hospital Advanced Savings

These things are covered in a public or HCF Participating Private Hospital:

• Accommodation
• Operating theatre, intensive care, neo-natal intensive care
• Coronary care
• Prosthesis100% cover for no-gap Prosthesis List items. There are a small number of prostheses which will attract a gap.
• Physiotherapy100% for HCF participating private hospitals or $20 up to $500 per year for non-participating private hospitals.
• Pharmaceuticals in hospitalsDirectly associated with the reason for admission, excluding experimental and high cost non-PBS drugs.
• Ambulance100% cover for emergency ambulance (State Government services) for road, air or snow ambulance, to the nearest hospital that can provide you with the care you need.
• All other services
  (unless shown on the right)

Whilst HCF doesn’t exclude services from our hospital covers, we pay lower benefits on some to keep the price down, and benefits relevant. Read more

Minimal Benefits

For these services, HCF will only pay a small amount towards your private hospital costs. This means you may face significant out of pocket expenses if you have these procedures in a private hospital, but would be largely covered in a public hospital. For these procedures, HCF would:

• pay a small amount towards your accommodation in a private hospital;
• pay for shared accommodation in a public hospital;
• pay for any Government approved no-gap prostheses (if required); and
• not pay operating theatre expenses, or labour ward charges.
• In addition, there are some services where doctor’s charges are not payable (e.g. elective cosmetic surgery and surgery by an accredited podiatric surgeon). For these, HCF will only pay a very small amount towards the total cost of the procedure (and no doctor’s charges).

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• Psychiatric services
• Pregnancy & birth related services
• Assisted reproductive services
• Total & partial hip & knee joint replacement surgery
• Cataract surgery
• Dialysis for chronic renal failure

In addition, HCF will only pay a small proportion towards the hospital costs, and no Doctors charges, for these procedures:

• Elective cosmetic surgery
• Surgery by accredited podiatric surgeon