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

*Conditions and some longer waiting periods apply.
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  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, 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
2 check-ups, 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
2 check-ups, 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
2 check-ups, 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
2 check-ups, 2 scale and clean, x-rays and 1 fluoride treatment per year.
Other service and item limits apply.
n/a
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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
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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
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*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.

 

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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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