Top Plus

With this product you’ll get:

  • Top level hospital cover for peace of mind
  • Cover for the widest range of services in a private hospital
  • Ambulance cover included

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What's covered

What's covered to a limited extent

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.
  • Psychiatric services
  • Pregnancy & birth related services
  • Assisted reproductive servicese.g. IVF and GIFT
  • Total & partial hip & knee joint replacement surgery
  • Cataract surgery
  • Dialysis for chronic renal failure
  • 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)

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

  • Elective cosmetic surgery
  • Surgery by accredited podiatric surgeon

Why wait?
Join online today.

Join now and all two and six month waiting periods will be waived. Conditions

Apply now

Waiver Offer

We'll waive the usual 2 & 6 month waiting periods on over 20 health benefits when you take out hospital and extras cover. Join now, and you'll have immediate access to the following benefits:

  • Dental check-ups
  • Dental X-rays
  • Dental scale and clean
  • Dental fluoride application
  • Dental fillings
  • Spectacle frames
  • Spectacle lenses
  • Contact lenses
  • Disposable contact lenses
  • Physiotherapy
  • Chiropractic
  • Osteopathy
  • Acupuncture
  • Remedial massage
  • Exercise physiology
  • Chinese herbal medicine (consultation)
  • Hospital accommodation
  • Ambulance*
  • Same day hospital cover
  • Operating theatre fees
  • Pharmacy

* QLD and TAS residents are covered under their state ambulance scheme.

PLEASE NOTE: Offer only available to new members taking out Hospital and Extras cover. Waiver does not apply to waiting periods of more than 6 months, including 12 months for pregnancy and birth-related services, pre-existing ailments and conditions. Psychiatric, rehabilitation and palliative care services, which have a 2 month waiting period, are also excluded from this waiver offer.

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