Basic Hospital and Bronze Plus Extras

From
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Purchase

HCF's 30 day guarantee*

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Basic Hospital

  • Removal of tonsils, adenoids and appendix
  • Accident related treatment after joining (Accident Safeguard)
  • Cancer related services

Bronze Plus Extras

  • 100% back on one dental check per year at participating providers
  • Optical, including glasses and contact lenses
  • Cover on a range of therapies

All our package products include

Accident related treatment after joining (Accident Safeguard)
Emergency ambulance
Removal of tonsils, adenoids and appendix
Surgical treatment of a hernia
Removal of kidney stones & gall stones
Digestive disorder procedures
e.g. bowel surgery
e.g. bowel surgery
Cancer related services
e.g. chemotherapy
e.g. chemotherapy
Diagnostic and preventive dental
Including examinations, single film x-rays, removal of plaque/calculus and application of fluoride
Including examinations, single film x-rays, removal of plaque/calculus and application of fluoride
Physiotherapy
Chiropractic and osteopathy
Remedial massage
and/or myotherapy
and/or myotherapy
Want to see all inclusions

What's Covered

Basic Hospital

Basic hospital cover designed for the healthy and budget conscious

Services
Waiting Periods
Waiting periods for pre-existing ailments (excluding psychiatric, rehabilitation and palliative care)** The waiting period for pre-existing ailments is 12 months. The waiting period for psychiatric treatment, rehabilitation services and palliative care is 2 months. Emergency ambulance services have a 12 month waiting period for pre-existing ailments. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover. 12 months
Removal of kidney stones & gall stones 2 months
(12 mths pre-existing)
Emergency ambulance 1 day
(12 mths pre-existing)

Bronze Plus Extras

Basic extras cover for dental, optical and selected therapies

extras waiting period
Waiting Periods
General dental 2 months
Major dental 12 months
Optical 2 months
Therapies (excluding foot orthotics) 2 months
Travel and Accommodation 2 months
Vaccines and Immunisations 2 months
Artificial aids 12 months
Hearing aids 12 months
Health Management Programs 2 months
Pre-existing ailments and conditions 12 months
*Please see the Product summary for information on policy inclusions
Category
Services
Benefits

Dental Hide details

$400 limit per person max $800 per policy Max 1 check up, 1 scale and clean, and 1 fluoride treatment per person, per year
General dental Examinations $29 - $60
General dental Single film x-rays $24
General dental Removal of plaque / calculus $36 - $55
General dental Application of fluoride $25
$400 limit per person max $800 per policy Max 1 check up, 1 scale and clean, and 1 fluoride treatment per person, per year
General dental Direct fillings (1-2 surfaces) $66 - $86
General dental Simple extractions $78 - $88
$100 limit per person max $200 per policy
Optical Spectacle frames $100
Optical Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) $100
Optical Contact lenses - pair $100
$200 limit per person $400 max per policy
Therapy Physiotherapy – initial / subsequent $42 / $36
$100 limit per person/max $200 per policy - combined limit
Therapy Chiropractic - initial / subsequent $33 / $25
Therapy Osteopathy - initial / subsequent $40 / $30
Therapy Remedial massage and/or myotherapy - initial / subsequent $30 / $25
Therapy Acupuncture and/or Chinese herbal medicine consultation - initial / subsequent $30 / $25
Therapy Naturopathy and/or nutrition consultation - initial / subsequent $30 / $25
Therapy Alexander technique - initial / subsequent $30 / $25

SOME THINGS NOT COVERED IN THIS PRODUCT

Heart surgery
Including diagnostic and therapeutic cardiac procedures
Including diagnostic and therapeutic cardiac procedures
Pregnancy, birth and assisted reproductive services (IVF)
Joint replacements
e.g. hip replacements and knee replacements
e.g. hip replacements and knee replacements
Gastric banding and obesity surgery
Spinal surgery
Including surgery relating to spinal scoliosis
Including surgery relating to spinal scoliosis
Care involving dialysis for chronic renal failure
Cataract and other lens related surgery
Cochlear implant surgery and bone anchored hearing devices
Major dental
Orthodontics
Health management programs
Want to see all exclusions?