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cover for dental

Whether it’s routine check-ups or a scale and clean, enjoy no-gap~ through one of Australia’s largest dental networks with HCF extras cover.

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A girl sits up in a dentists chair drinking water which has been given to her by the dental nurse.

why choose HCF for your dental care needs?

From your child’s first dental visit to your annual scale and clean, get affordable dental care for the whole family with Australia’s largest not-for-profit health fund.

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Access one of Australia’s largest dental provider networks and enjoy no-gap arrangements with over 11,000 dentists.  

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Get 100% back~ on your annual dental check-up when you visit a participating provider in our No-Gap network.

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Eligible members can access a range of dental services like a scale and clean, fluoride treatment and mouthguards each year with no-gap~ to pay.

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Enjoy flexible extras with HCF’s Flex My Extras^ and choose how you use your limits on the extras you need like dental cover.

Find the right extras cover for your dental needs

I am looking for

single couple family single parent

I’m

under 31 31 - 44 45 - 64 65 - 69 70 and above

and live in

NSW VIC QLD SA WA TAS ACT NT

My annual

My annual income is

$101,000 or less $101,001 - $118,000 $118,001 - $158,000 $158,001 or more prefer not to specify
$202,000 or less $202,001 - $236,000 $236,001 - $316,000 $316,001 or more prefer not to specify
Weekly Fortnightly Monthly Quarterly Half yearly Yearly

Extras cover

HCF Mid Extras

From $0.0* /week

From

$0.0* /week

Great value extras cover

Extras cover for common services like general and some major dental, physio, optical, remedial massage and more.

  • Get 100% back~ on 2 dental check-ups each year through our No-Gap provider network.
  • Mid-level cover for some major dental services like complex fillings, crowns and bridges.
  • 100% back~ on a range of prescription glasses** at More for Eyes providers.

  • Annual limit: $200

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • Annual limit $700 (Max 2 check ups, 2 scale and cleans and 1 fluoride treatment per person, per year) Combined with General dental and Major dental

    Diagnostic & Preventative:

    Examinations: $32 - $73

    Removal of plaque / calculus: $36 - $63

    Application of fluoride: $27

    Single film x-rays: $29

    Teeth whitening - In-chair (service limits apply): $50

    Direct fillings (1-2 surfaces): $85 - $108

    Direct fillings (3 or more surfaces): $128 - $177

    Simple extractions: $96 - $143

  • Annual limit $700 Combined with General dental and Major dental

    Indirect fillings: $298 - $600

    Surgical extractions: $167 - $265

    Treatment of tissue surrounding teeth: $23 - $374

    Treatment of root canals: $27 - $315

    Placing of crowns and bridges: $133 - $600

    Dentures and/or components (partial and complete): Limits renew every 3 years: $25 - $600

  • Occlusal therapy: $0

  • Benefit amount for Orthodontist: $0

    Benefit amount for other dentists: $0

  • $350 Combined Annual limit with Physiotherapy and Exercise Physiology

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $56 / $49

  • $350 Combined Annual limit with Physiotherapy and Exercise Physiology

    Exercise physiology (group / class consultations covered under Health Management Program): $33

  • $150 Combined Annual limit with Chiropractic & Osteopathy, Remedial massage and myotherapy and Acupuncture and Chinese herbal medicine consultations

    Chiropractic - initial / subsequent: $38 / $34

    Osteopathy - initial / subsequent : $46 / $39

  • Podiatry consultation - initial / subsequent: $0

  • Orthotist/Prosthetist and Pedorthist consultation: $0

  • Speech pathology - initial / subsequent : $0

  • Speech pathology - initial / subsequent : $0

  • Occupational therapy: $0

  • Dietitian: $0

  • Annual limit $150

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $0

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $0

    HCF-approved counselling & accredited mental health social worker includes group consultations: $9 / $23

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • $150 Combined Annual limit with Chiropractic & Osteopathy, Remedial massage and myotherapy and Acupuncture and Chinese herbal medicine consultations

    Remedial massage and myotherapy: $36

    Acupuncture and Chinese herbal medicine consultation: $36

  • HCF approved pharmacy (After PBS equivalent co-payment subtracted): $0

  • Annual limit $100

    Vaccines - HCF-approved: Up to $50 per script

  • Artificial aids HCF approved e.g. low vision aids: $0

  • Hearing aids: $0

  • $50 per person, Max $100 per policy

    HCF approved e.g. exercise classes (including Pilates, yoga and Tai Chi), group physiotherapy and group exercise physiology classes, weight management, learn to swim and antenatal/postnatal services: Up to $50

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : $0

  • School Accident Benefit: $0

  • Travel and Accommodation (200km round trip): $0

View product summary

Most popular

Extras cover

HCF Vital Extras

From $0.0* /week

From

$0.0* /week

Great value extras cover

Outstanding value extras cover for a wide range of popular services like general and most major dental, and therapies.

  • Get 100% back~ on 2 dental check-ups each year through our No-Gap provider network.
  • Cover for most major dental including orthodontics with a $700 annual limit.
  • $250 annual limit for optical and $350 annual limit for physio and exercise physiology in year 1****.

  • Annual limit: $250

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • No Annual Limit for diagnostic and preventative services (Max 2 check ups, 2 scale and cleans and 1 fluoride treatment per person per year)

    Diagnostic & Preventative:

    Examinations: $32 - $73

    Removal of plaque / calculus: $36 - $65

    Application of fluoride: $28

    Single film x-rays: $31

    Combined Annual limit for General Dental (other than diagnostic and preventative) and Major dental:

    Year 1: $850
    Year 2: $950
    Year 3+: $1,100

    Teeth whitening - In-chair (service limits apply): $50

    Teeth whitening - Home application (service limits apply): $0

    Direct fillings (1-2 surfaces): $85 - $110

    Direct fillings (3 or more surfaces): $128 - $177

    Simple extractions: $96 - $143

  • Combined Annual limit for General Dental (other than diagnostic and preventative) and Major dental:

    Year 1: $850
    Year 2: $950
    Year 3+: $1,100

    Indirect fillings: $298 - $671

    Surgical extractions: $184 - $275

    Treatment of tissue surrounding teeth: $23 - $374

    Treatment of root canals: $27-$315

    Placing of crowns and bridges: $133 - $1000

    Dentures and/or components (partial and complete): $25 - $1100 - Limits renew every 3 years (Every calendar year if repairs)

  • Occlusal therapy: $0

  • Annual Limit for Orthodontist: $700 ($350 limit for other dentists)
    Lifetime limit of $2,100 for Orthodontist or $1,050 for other dentists

    Benefit amount for Orthodontist: up to $700

    Benefit amount for other dentists: up to $350

  • Combined Annual Limit for Physiotherapy and Exercise Physiology

    Year 1: $350
    Year 2: $450
    Year 3+: $550

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $58 / $49

  • Combined Annual Limit for Physiotherapy and Exercise Physiology

    Year 1: $350
    Year 2: $450
    Year 3+: $550

    Exercise physiology (group / class consultations covered under Health Management Program): $33

  • Annual Limit:

    Year 1: $250
    Year 2: $350
    Year 3+: $450

    Chiropractic - initial / subsequent: $40 / $35

    Osteopathy - initial / subsequent : $48 / $41

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400
    Orthotics sub-limit: $200 (includes 1 pair of foot orthotics per person per year)

    Podiatry consultation - initial / subsequent: $35 / $30

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Orthotist/Prosthetist and Pedorthist consultation: $30

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Audiology - initial / subsequent : $60

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Speech pathology - initial / subsequent : $60

  • Combined Annual limit for Occupational Therapy and Mental Health services

    Year 1: $350
    Year 2: $450
    Year 3: $550

    Occupational therapy: $62

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Dietitian: $45

  • Combined Annual limit for Occupational Therapy and Mental Health services

    Year 1: $350
    Year 2: $450
    Year 3: $550

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $26 / $100

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $18 / $65

    HCF-approved counselling & accredited mental health social worker includes group consultations: $15 / $41

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • Annual Limit:

    Year 1: $250
    Year 2: $350
    Year 3+: $450
    Sub-limit per therapy: $250

    Remedial massage and myotherapy: $36

    Acupuncture and Chinese herbal medicine consultation: $36

  • Combined Annual limit for HCF-approved Pharmacy and Vaccines: $180

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): Up to $50 per script

  • Combined Annual limit for HCF-approved Pharmacy and Vaccines: $180

    Vaccines - HCF-approved: Up to $50 per script

  • Max $150 per policy

    Artificial aids HCF approved e.g. low vision aids: $45 - $150

  • Annual limit:

    Up to 5 years $600
    Year 6-9 $800
    Year 10-14 $1,000
    Year 15-19 $1,200
    Year 20+ $1,600

    Hearing aids: $600-$1,600

  • $150 per person, Max $300 per policy

    HCF approved e.g. exercise classes (including Pilates, yoga and Tai Chi), group physiotherapy and group exercise physiology classes, weight management, learn to swim and antenatal/postnatal services: Up to $150

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : $0

  • $150 per eligible child***

    School Accident Benefit: Up to $150

  • Max $200 per policy

    Travel and Accommodation (200km round trip): $40

View product summary

Extras cover

HCF Top Extras

From $0.0* /week

From

$0.0* /week

Top extras cover

Our top extras cover for dental that offers our highest level of coverage, plus high limits and benefits for a wide range of services.

  • Comprehensive dental coverage with no annual limits for dental check-ups^^^^.
  • Cover for all major dental with a $1,000 annual limit (excludes orthodontics which has an $800 annual limit).
  • $275 annual limit for optical and $600 annual limit for physio and exercise physiology in year 1****.

  • Annual limit: $275

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • No Annual Limit for diagnostic and preventative services (Max 2 check ups, 2 scale and cleans and 1 fluoride treatment per person per year)

    Diagnostic & Preventative:

    Examinations: $34 - $84

    Removal of plaque / calculus: $40 - $76

    Application of fluoride: $29

    Single film x-rays: $34

    Combined Annual limit for General Dental (other than diagnostic and preventative) and Major dental:

    Year 1: $1000
    Year 2: $1,150
    Year 3+: $1,300

    Teeth whitening - In-chair (service limits apply): $57

    Teeth whitening - Home application (service limits apply): $0

    Direct fillings (1-2 surfaces): $105 - $148

    Direct fillings (3 or more surfaces): $177 - $256

    Simple extractions: $122 - $175

  • Combined Annual limit for General Dental (other than diagnostic and preventative) and Major dental:

    Year 1: $1000
    Year 2: $1,150
    Year 3: $1,300

    Indirect fillings: $341 - $783

    Surgical extractions: $210 - $330

    Treatment of tissue surrounding teeth: $27 - $430

    Treatment of root canals: $32 - $362

    Placing of crowns and bridges: $155 - $1100

    Dentures and/or components (partial and complete): $33 - $1300 - Limits renew every 3 years (Every calendar year if repairs)

  • Combined Annual limit for General Dental (other than diagnostic and preventative) and Major dental:

    Year 1: $1000
    Year 2: $1,150
    Year 3: $1,300

    Occlusal therapy: $38 - $400

  • Annual Limit for Orthodontist: $800 ($400 limit for other dentists)
    Lifetime limit of $2400 for Orthodontist or $1200 for other dentists

    Benefit amount for Orthodontist: $800

    Benefit amount for other dentists: $400

  • Combined Annual Limit for Physiotherapy and Exercise Physiology

    Year 1: $600
    Year 2: $750
    Year 3: $900

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $60 / $54

  • Combined Annual Limit for Physiotherapy and Exercise Physiology

    Year 1: $600
    Year 2: $750
    Year 3: $900

    Exercise physiology (group / class consultations covered under Health Management Program): $40

  • Annual Limit:

    Year 1: $300
    Year 2: $400
    Year 3: $500

    Chiropractic - initial / subsequent: $45 / $38

    Osteopathy - initial / subsequent : $50 / $43

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $250
    Year 2: $300
    Year 3: $500
    Orthotics sub-limit: $250 (includes 1 pair of foot orthotics per person per year)

    Podiatry consultation - initial / subsequent: $40 / $35

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $250
    Year 2: $300
    Year 3: $500

    Orthotist/Prosthetist and Pedorthist consultation: $35

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $250
    Year 2: $300
    Year 3: $500

    Audiology - initial / subsequent : $70

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $250
    Year 2: $300
    Year 3: $500

    Speech pathology - initial / subsequent : $83

  • Combined Annual limit for Occupational Therapy and Mental Health services

    Year 1: $600
    Year 2: $750
    Year 3: $900

    Occupational therapy: $72

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $250
    Year 2: $300
    Year 3: $500

    Dietitian: $55

  • Combined Annual limit for Occupational Therapy and Mental Health services
    Year 1: $600 Combined Annual limit with Occupational Therapy and Mental Health services

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $30 / $120

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $21 / $80

    HCF-approved counselling & accredited mental health social worker includes group consultations: $18 / $48

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • Annual limit:

    Year 1: $300
    Year 2: $400
    Year 3: $500
    Sub-limit per therapy: $300

    Remedial massage and myotherapy: $40

    Acupuncture and Chinese herbal medicine consultation: $40

  • Combined Annual limit for HCF-approved Pharmacy and Vaccines: $280

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): Upto $50 per script

  • Combined Annual limit for HCF-approved Pharmacy and Vaccines: $280

    Vaccines - HCF-approved: Upto $50 per script

  • Max $200 per policy

    Artificial aids HCF approved e.g. low vision aids: $55 - $200

  • Annual limit:
    Up to 5 years $800
    Year 6-9 $1,100
    Year 10-14 $1,400
    Year 15+ $1,800

    Hearing aids: $800

  • $200 per person, Max $400 per policy

    HCF approved e.g. exercise classes (including Pilates, yoga and Tai Chi), group physiotherapy and group exercise physiology classes, weight management, learn to swim and antenatal/postnatal services: Up to $200

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : $0

  • $200 per eligible child***

    School Accident Benefit: Up to $150

  • Max $250 per policy

    Travel and Accommodation (200km round trip): $50

View product summary

Looking for health cover that matches your needs?

Whether you’re after a higher level of cover for more treatments and services, or something that better fits your budget, get a quote to find the right cover for you.

Get a quote

More than just dental cover with HCF extras

With an extensive dental network helping members access 2.5 million no-gap treatments+, get more from your cover with the fund giving members more back#.

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Get 100% back~ on popular extras like your first physio visit~~ through our No-Gap network or prescription glasses** through recognised optical providers.  

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Start your child’s dental journey on the right foot with a range of health resources to help build healthier eating habits.

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Access 100% back~ on your first chiro, osteo or podiatrist visit~~ through our No-Gap provider network.

Get a quote

Do I need hospital, extras cover or both?

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Hospital and extras cover

Get hospital and extras cover for more protection and coverage, from private hospital care and treatments to a range of extras like dental, physio, optical, chiro and remedial massage.

View hospital and extras
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Hospital cover

Choose hospital cover to make sure you’re covered for private hospital admission, emergency ambulance services^^, a range of in-hospital treatments and costs, and more.   

View hospital cover 
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Extras cover

Use extras cover for services generally not covered by Medicare, and claim on extras like physio and optical, and get 100% back~ on a dental check-up through our No-Gap network.

View extras cover
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Offers and discounts

HCF extras cover helps you save more. Members can save an average of $900++ a year on everyday essentials through discounted e-gift cards## plus discounts on pet*** and travel insurance^^^.

Explore more HCF member benefits
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My Membership app

Take the hassle out of your extras cover with fast, simple, secure access – anytime, anywhere. Make claims on the go, keep track of extras limits, remaining benefits and more all from your partner in your pocket+++.

Explore the My Membership app

Award-winning insurance trusted by more than 2 million australians

Canstar 2025 outstanding value for health insurance award logo.
Outstanding value 10 years in a row

We've won Canstar’s Outstanding Value Award for Health Insurance 10 years in a row (2016 to 2025).

Roy Morgan 2025 most trusted brand for private health insurance award logo.
Australia’s most trusted health fund 2025

We're Roy Morgan’s 2025 Most Trusted Private Health Insurance Brand#####. 

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2024 Finder Health Insurance Award winner

Based on value for money, we scored higher than all eligible bronze hospital policies on the market for our Hospital Bronze Plus $750 Excess cover.

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Need help to find the right dental cover for your needs?

Answers to commonly asked questions to help you make the right choice.

Generally, Medicare doesn't cover the essential dental services you need to maintain the health of your teeth. These services include:

  • routine check-ups 

  • scale and cleans

  • fillings

  • tooth extractions

  • dentures (complete or partial/bridge)

  • or items like mouthguards and braces. 

If you receive dental services and you aren’t eligible for government assistance, you’ll be responsible for the full cost of your care unless you have dental cover as part of your private health insurance.

At HCF, we make it easier for you to compare cover options to make sure you get the right level cover for your dental needs and budget.

Get cover for dental today

While cover for dental services is commonly referred to as dental insurance, there’s unlikely to be a standalone insurance policy in Australia that gives you dental coverage only. It’s usually included as part of your extras health insurance policy, as well as access to other services generally not covered by Medicare like physio, optical, chiro, osteo, remedial massage and more. 

At HCF, we understand accessing affordable dental to maintain your oral health is essential. That’s why we offer a range of extras packages that give members more back in benefits for their dental needs, higher annual limits for dental and other packages like HCF Flex My Extras^ that allow members to use their limit on the services most important to them.

Find out more about extras cover

The best insurance to have for dental care is entirely up to you. Start by thinking about the dental services that are most important to you and your family, like how many check-ups a year you’d like, does your teen need braces and so on. Consider the potential out-of-pocket costs you might have to pay when you make a claim, as different levels of cover can have varying expenses. 

Additionally, look at inclusions, making sure what you need is covered, potential waiting periods that may apply, and network coverage to make sure you have access to experienced dental providers close to home.

Compare health insurance for dental at HCF

Dental insurance coverage can vary significantly based on several factors, including:

  • the type of dental services you’re claiming for (routine or major dental care) 

  • the dental clinic you choose, especially if they’re not part of your health funds provider network. 

This can all contribute to different out-of-pocket costs, particularly as there are no standard fees for dental services. 

If you have HCF extras cover, you can lower your out-of-pocket costs on a wide range of dental services and get 100% back~ on 1 to 2 dental check-ups, depending on your level of cover, from over 11,000 dental providers in our network across Australia. 

Additionally, you can claim 100% back~ on various services through HCF Dental Centres, including a scale and clean, and a fluoride treatment each year with no gap to pay.

Find a dental provider near you

Generally, Medicare doesn't cover the essential dental services you need to maintain the health of your teeth. These services include:

  • routine check-ups 

  • scale and cleans

  • fillings

  • tooth extractions

  • dentures (complete or partial/bridge)

  • or items like mouthguards and braces. 

If you receive dental services and you aren’t eligible for government assistance, you’ll be responsible for the full cost of your care unless you have dental cover as part of your private health insurance.

At HCF, we make it easier for you to compare cover options to make sure you get the right level cover for your dental needs and budget.

Get cover for dental today

While cover for dental services is commonly referred to as dental insurance, there’s unlikely to be a standalone insurance policy in Australia that gives you dental coverage only. It’s usually included as part of your extras health insurance policy, as well as access to other services generally not covered by Medicare like physio, optical, chiro, osteo, remedial massage and more. 

At HCF, we understand accessing affordable dental to maintain your oral health is essential. That’s why we offer a range of extras packages that give members more back in benefits for their dental needs, higher annual limits for dental and other packages like HCF Flex My Extras^ that allow members to use their limit on the services most important to them.

Find out more about extras cover

The best insurance to have for dental care is entirely up to you. Start by thinking about the dental services that are most important to you and your family, like how many check-ups a year you’d like, does your teen need braces and so on. Consider the potential out-of-pocket costs you might have to pay when you make a claim, as different levels of cover can have varying expenses. 

Additionally, look at inclusions, making sure what you need is covered, potential waiting periods that may apply, and network coverage to make sure you have access to experienced dental providers close to home.

Compare health insurance for dental at HCF

Dental insurance coverage can vary significantly based on several factors, including:

  • the type of dental services you’re claiming for (routine or major dental care) 

  • the dental clinic you choose, especially if they’re not part of your health funds provider network. 

This can all contribute to different out-of-pocket costs, particularly as there are no standard fees for dental services. 

If you have HCF extras cover, you can lower your out-of-pocket costs on a wide range of dental services and get 100% back~ on 1 to 2 dental check-ups, depending on your level of cover, from over 11,000 dental providers in our network across Australia. 

Additionally, you can claim 100% back~ on various services through HCF Dental Centres, including a scale and clean, and a fluoride treatment each year with no gap to pay.

Find a dental provider near you

Important Information

HCF will collect and use your personal information through this quote process in accordance with our Privacy Collection Notice.

* Australian Government Rebate has been applied if you selected an income level less than $158,001 for single or less than $316,001 for family. Price excludes any Lifetime Health Cover loading.

~ 100% back at More for You program providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our No-Gap network of healthcare providers changes often. Please check that your provider is part of our No-Gap network before you book or attend an appointment. See hcf.com.au/100back

^ Singles and Couples only. Flexible $650 single limit plus $175 optical limit and $100 remedial massage and myotherapy limit per person, per year.

+ Sourced from HCF Year in Review Financial Year 2022-23.

# 89.2% compared to 85.6% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014–23.

~~ A first visit means an initial consultation for an eligible health condition that’s new or flare up where no treatment has been provided in the previous 3 months.

** Excludes add-ons like high index material, coatings and tinting.

^^ Cover is limited to emergency transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility). Benefits are not payable for ambulance services covered by a State or Territory government scheme.

++ Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).

## Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change without advance notice. See HCF Thank You terms and conditions.

*** All HCF members are eligible for a member discount of at least 10% on HCF Pet Insurance. HCF Ruby and Diamond members get a 15% discount. Existing Manchester Unity Pet Insurance policies are not eligible for discounts under HCF Thank You. Visit the HCF Thank You page for further information. Where relevant, increased discount will be applied automatically at first renewal after advancement in HCF Thank You tier. To be eligible for the discount members need to have the HCF My Membership app or online member services set up. This offer may be subject to change.

HCF Pet Insurance policies entered into for the first time prior to 21 March 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414 (HCF). HCF Pet Insurance policies entered into for the first time on or after 21 March 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by HCF. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/petinsurance. 

HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. HCF may receive a commission of up to 13% of the premium for promoting HCF Pet Insurance policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance. For more information contact HCF on 13 13 34.

Manchester Unity Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414, and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Manchester Unity Pet Insurance is closed to new customers and is only available for renewal by existing customers. Manchester Unity Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement and Target Market Determination (TMD) ensure this product meets your needs before you renew your cover.

^^^  To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information.

The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies. If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

+++ Android and Apple users with a supported device can scan the QR code on their digital card at providers with HICAPS Trinity payment terminals. Android users can also use tap-and-go (NFC) at providers with HICAPS VX, HICAPS Trinity or CommBank Smart Health payment terminals. Supported Apple devices run at least iOS 13. Supported Android devices run at least Android 8.

##### Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025.

**** Annual limits increase on some services in year 2 and 3. See extras table in the product summary for details.

^^^^ Service limits apply.

 

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan