Top Plus & Multicover

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

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