Health insurance

• Ambulance cover
• No hospital excess for kids or same day surgery
• Hospital cover for a range of services in HCF participating private or public hospitals including:
  • Accidents
  • Shoulder reconstruction surgery
  • Knee reconstruction surgery
  • Removal of tonsils and appendix
  • Sporting injury rehabilitation
  • And more...

Minimal Benefits are paid on some hospital services (such as pregnancy and joint replacement).

Minimal benefits

The following services are paid at Minimal benefits on this level of cover. This helps you save because you won’t pay for what you don’t want:

• Pregnancy and birth related services
• Assisted reproductive services (e.g. IVF, GIFT)
• Psychiatric services
• Total and partial hip and knee joint replacement
• Cataract and other lens related surgery
• Dialysis for chronic renal failure
• Elective cosmetic surgery
• Surgery by an accredited podiatric surgeon

If you’re sure you won’t need specific services in a private hospital then insurance for these services at a Minimal benefit level can save you money.

Minimal benefits only cover the cost of staying in a public hospital shared room.

In a private hospital, if you need to claim on procedures with Minimal benefits such as pregnancy or dialysis, you may have significant costs such as theatre or labour ward charges to pay.

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• 2 free dental check-upsDental check ups
  
  When you go to an HCF dental centre, dental diagnostics, preventive care and simple single surface fillings carried out by our general dentists (not specialists) are at 'no charge'. This means the HCF benefit covers the entire cost, up to your available limit, and you have no out of pocket expenses. Members in VIC, QLD, SA and regional NSW can access the HCF Oral Health Program for many no-charge diagnostic and preventative dental services. per year
• Over $2,400 per year for extensive dental including check-ups, x-rays, wisdom tooth removal, root canal, orthodontics and crowns and bridges
• Up to $220 per year for Optical
• Over $3,000 per year for an extensive range of therapies including physio, remedial massage, chiro, speech therapy, psychology and more...

• Ambulance cover
• No hospital excess for same day surgery
• Hospital cover for a range of services in HCF participating private or public hospitals including:
  • Accidents
  • Colonoscopy and bowel surgery
  • Heart conditions
  • Joint replacements
  • Cataract and other major eye surgery
  • Psychiatric services in hospital
  • Cancer treatment
  • And more...

• 2 free dental check-upsDental check ups
  
  When you go to an HCF dental centre, dental diagnostics, preventive care and simple single surface fillings carried out by our general dentists (not specialists) are at 'no charge'. This means the HCF benefit covers the entire cost, up to your available limit, and you have no out of pocket expenses. Members in VIC, QLD, SA and regional NSW can access the HCF Oral Health Program for many no-charge diagnostic and preventative dental services. per year
• Over $800 per year for essential dental including check-ups, x-rays and wisdom tooth removal
• Up to $180 per year for Optical
• Over $500 for essential therapies including physio, remedial massage, chiro and more...