Gold Extras

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Purchase

HCF's 30 day guarantee*

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Add hospital cover?

Hospital cover helps cover the cost of in-hospital treatment by your doctor and other hospital costs such as accommodation, operating theatre and intensive care.

Gold Extras

  • Comprehensive Extras cover
  • Access to all of the HCF More for you no-gap services
  • Increasing loyalty limits each year

All our extras products include

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
Simple fillings and simple extractions
Physiotherapy
Chiropractic and osteopathy
Remedial massage
and/or myotherapy
and/or myotherapy
Want to see all inclusions?

What's covered

Gold Extras

Quality extras cover for a wide range of services and 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
School accident benefit 2 - 12 months
*Please see the Product summary for information on policy inclusions
Category
Services
Benefits

Dental Hide details

Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year
General dental Examinations $32 - $73
General dental Single film x-rays $31
General dental Removal of plaque / calculus $36 - $64
General dental Application of fluoride $28
Year 1 $800 limit
General dental Direct fillings (1-2 surfaces) $85 - $105
General dental Direct fillings (3 or more surfaces) $128 - $177
General dental Simple extractions $95 - $143
Major dental Indirect fillings $298 - $671
Major dental Surgical extractions $165 - $260
Major dental Treatment of tissue surrounding teeth $23 - $374
Major dental Treatment of root canals $27 - $248
Major dental Placing of crowns and bridges $244 - $1,000
Major dental Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $1,100
$700 LIMIT for ORTHODONTISTS ($350 LIMIT if general dentist) Lifetime limit $2,100 or $1,050 for services by dentists, other than orthodontists
Major dental Orthodontics - orthodontist / other dentists Up to $700/$350
$250 limit
Optical Spectacle frames $115
Optical Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) $140
Optical Contact lenses - pair $140
Year 1 $350 limit
Therapy Physiotherapy including pelvic floor physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $58 / $49
Therapy Exercise physiology (group / class consultations covered under Health Management Program) $33
Year 1 $350 limit
Therapy Occupational therapy $62
Therapy Psychology (after Medicare entitlement used up) $85
Year 1 $250 limit
Therapy Chiropractic - initial / subsequent $40 / $33
Therapy Osteopathy - initial / subsequent $48 / $38
Year 1 $250 limit Sub-limit $200 per therapy service
Therapy Remedial massage and/or myotherapy - initial / subsequent $36 / $31
Therapy Acupuncture and/or Chinese herbal medicine consultation - initial / subsequent $36 / $31
Therapy Naturopathy and/or nutrition consultation - initial / subsequent $36 / $31
Therapy Alexander technique - initial / subsequent $36 / $31
Year 1 $200 limit
Therapy Podiatry (including foot orthotics) - initial / subsequent $35 / $30
Therapy Dietetics - initial / subsequent $45
Therapy Audiology - initial / subsequent $60
Therapy Speech pathology - initial / subsequent $60
Max $200 per policy
Other Travel and Accommodation (200km round trip) $40
$180 limit
Other HCF approved pharmacy (After PBS equivalent co-payment subtracted) Up to $50 per script
Other HCF approved vaccines and immunisations (After PBS equivalent co-payment subtracted) Up to $50 per script
Max $150 per policy
Other Artificial aids (HCF approved e.g. low vision aids) $45 - $150
$600 - $1,600 limit
Other Hearing aids $600 (benefits accrue and renew every three years)
$150 per person max $300 per policy
Other Health Management Programs (HCF approved e.g. exercise classes) Up to $150 per person
$150 per eligible child
Other School Accident Benefit Up to $150 per eligible child