Join online and we'll waive the usual 2 & 6 month waiting periods*.

*Conditions and some longer waiting periods apply.
This best describes me
This cover is for
I live in
 
 
 
 
 
 
Budget Hospital

From

$44.25

per week

Price is based on family rate in NSW with an Australian Government Rebate of 29.040% which equates to $18.20 and an excess of $450. This price excludes any Lifetime Healthcover Loading. Note the final price you pay may vary depending on your age and income.
Our entry level hospital and extras cover.
Hospital Advanced Savings

From

$50.65

per week

Price is based on family rate in NSW with an Australian Government Rebate of 29.040% which equates to $20.80 and an excess of $450. This price excludes any Lifetime Healthcover Loading. Note the final price you pay may vary depending on your age and income.
Our mid level hospital cover, plus our entry level extras.
Top Plus

From

$80.80

per week

Price is based on family rate in NSW with an Australian Government Rebate of 29.040% which equates to $33.10 and an excess of $450. This price excludes any Lifetime Healthcover Loading. Note the final price you pay may vary depending on your age and income.
Our most comprehensive hospital cover, plus our mid level extras.
  Budget Hospital Hospital Advanced Savings Top Plus Fit & Free Young Singles & Couples
  Example hospital procedures at HCF participating private and public hospitals - Accommodation, operating theatre, intensive care.
Accident related treatment n/a
Physiotherapy and pharmaceuticals related to admission n/a
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Removal of tonsils n/a
Removal of adenoids n/a
Removal of appendix n/a
Hernia treatment n/a
Removal of kidney stones & gall stones n/a
Digestive disorder procedures (e.g. bowel surgery) n/a
Cancer related services (e.g. chemotherapy) n/a
Government approved prostheses for covered services n/a
Heart surgery including diagnostics & therapeutic cardiac procedures n/a
Spinal fusion, spinal scoliosis & disc replacement surgery n/a
Cochlear implant surgery & bone anchored hearing devices n/a
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Insulin pump treatments n/a
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Dialysis for chronic renal failure n/a
Rehabilitation services n/a
Psychiatric services n/a
Gastric banding and obesity surgery n/a
Assisted reproductive services (e.g. IVF, GIFT) n/a
Pregnancy and birth related services n/a
Hip & knee joint replacement surgery n/a
Cataract and other lens related surgery n/a
Elective cosmetic surgery n/a
Podiatric surgery by an accredited podiatrist n/a
Emergency ambulance n/a
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Non emergency ambulance (up to $5,000) n/a
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Key features
No excess for accident related treatment n/a
No excess for kids n/a n/a n/a
No excess for same day treatment
12 month waiting period applies to pre-existing conditions
2 month waiting period applies to all other procedures
n/a
 

Available   Covered

Available   Minimal Benefits. For this procedure, you’ll be covered in a public hospital shared room, but your private hospital costs won’t be fully covered. This means you could face significant personal expense if you have this procedure in a private hospital.

Available   Exclusion – this procedure is not covered.

  Hospital & ambulance waiting periods
  Palliative care
Psychiatric services
Rehabilitation services
Non emergency ambulance transport (where not pre-existing)
2 months
  Pre-existing ailment or conditions
Ambulance transport for pre-existing condition
Pregnancy and birth related services
12 months
  All other hospital services 2 months
  Emergency ambulance transport (where not pre-existing) 1 day


  General Extras Plus Multicover Super Multicover Fit & Free Young Singles & Couples
Service Waiting period (months) Limits
Per person per calendar year unless otherwise specified.
Dental
Diagnostic & preventative 2 2 check-ups with general dentist,1 check-up with specialist 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
2 check-ups, with general dentist,1 check-up with specialist 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
2 check-ups, with general dentist,1 check-up with specialist 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
2 check-ups, with general dentist,1 check-up with specialist 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
2 check-ups, with general dentist,1 check-up with specialist 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
n/a
  Show Details
Fillings 2 $400 $550 $550 $550 $400 n/a
Oral surgery (e.g. Tooth extractions) 12 $300 $500 $500 $500 $300 n/a
Endodontic services (e.g. Root canal) 12         - n/a
Periodontic services (e.g. Gum treatment) 12 -       - n/a
Orthodontics (by an Orthodontist) 12 $250 - $1,500 $440 - $2,640
depending on length of membership.
$440 - $2,640
depending on length of membership.
- - n/a
Dentures 12 - $800 every 3 years $800 every 3 years - - n/a
Crowns, bridges & implants 12 - $800 $800 - $1,200 $800 - n/a
Optical
Spectacles & Contacts 2 $180
$220 $250
(Or up to $500 every 2 years)*
$250 $180 n/a
Therapies
Physiotherapy 2 $500
Sublimit of $250 each for chiropractic, osteopathy and exercise physiology. $200 combined for speech pathology and occupational therapy. $100 combined for remedial massage, myotherapy, acupuncture & Chinese herbal medicine consultation.
$600 - $1,200
depending on length of membership.
$600 - $1,200
depending on length of membership.
$600 $350 n/a
Chiropractic, osteopathy and exercise physiology 2 $600 - $1,000
Sublimit of $375 each for chiropractic, osteopathy and exercise physiology
$600 - $1,200
(Max. $600 each for chiro and osteo, and $400 for exercise physiology)
n/a
Occupational therapy 2   $500 $600   - n/a
Speech pathology 2   $500
(Max. $200 for audiology)
$500 $300
(Max. $200 for foot orthotics)
- n/a
Audiology 2 - $350   - n/a
Dietetics 2 - $300 $350   - n/a
Podiatry consultation 2
(12 for foot orthotics)
- $200 $400   - n/a
Psychology
(After Medicare exhausted)
2 - $300 $600 $300 - n/a
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Acupuncture and Chinese herbal medicine consultation 2 $100
(Within $500 overall limit for therapies)
$200
(Max. $100 for Chinese herbal medicine consultation)
$600
Sublimit of $250 per therapy
(Max $100 for Chinese herbal medicine consultation)
$300 $150 (Within $350 overall limit for therapies) n/a
Remedial massage and myotherapy 2   $200       n/a
Naturopathy and nutrition consultation 2 -       - n/a
Alexander technique 2 -       - n/a
Homoeopathy 2 -     - - n/a
Others
Pharmacy
(HCF approved, non-PBS)
2 $500 $600 $700 $500 $200 n/a
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HCF approved health management programs (e.g. Weight management course) 6 - $150 per person
(Max. $300 per family)
$200 per person
(Max. $400 per family)
$200
(Max. $400 per couple)
- n/a
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School accident cover (Approved services) 2-12 $400 $800 $800 - - n/a
Hearing aids 24 - $600 - $1,600
every 5 years depending on length of membership.
$800 - $1,800
every 5 years depending on length of membership.
- - n/a
Travel and accommodation 2 - Up to $400
(Sub limits apply)
Up to $400
(Sub limits apply)
- - n/a
Artificial aids (Approved appliances e.g. CPAP machine) 12 - $500 $600 - - n/a
  Show Details
 

*When taken with Top Plus, once you have been a member on Super Multicover for 12 months, your optical limit converts to a 2 year limit of $500. Your $500 limit always spans the current and previous year and entitles you to claim the full $500 in one year or progressively over the two year period. If the full limit of $500 is exhausted in one year, there is no benefit the following year. Sublimit of $250 per year for contact lenses applies.

 

Not the right cover for your needs?

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Your quote

$50.65
Price is based on family rate in NSW with an Australian Government Rebate of 29.040% which equates to $20.80 and an excess of $450. This price excludes any Lifetime Healthcover Loading. Note the final price you pay may vary depending on your age and income.
per Week | Month | Year
Hospital Excess
The amount of money you will pay before benefits are payable when admitted to hospital. An excess option is available with all HCF Hospital products, which helps reduce the cost of the cover. Excesses are payable up to one per person per calendar year if you go into hospital.
Select a Government Rebate level:

Australian Government Rebate on private health
insurance as a reduced preminum

To help you select the appropriate rebate, please refer to the table below:

Need assistance?
If you need assistance with determining your income range, please use the Australian Taxation Office Calculator.

Status

Income

Singles

< $90,001

$90,001 - $105,000

$105,001 - $140,000

> $140,000

Families

< $180,001

$180,001 - $210,000

$210,001 - $280,000

> $280,000

Age

Australian Government Rebate

UNDER 65

29.040%

19.360%

9.680%

0.000%

65 – 69

33.880%

24.200%

14.520%

0.000%

70+

38.720%

29.040%

19.360%

0.000%

Note: Single parents and couples (including de facto couples) are subject to family rebates.
For families with children, the thresholds are increased by $1,500 for each child after the first.

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