Saple1
| Service | Benefits |
|---|---|
Waiting period
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
Included means services and treatments are covered and you'll have less out-of-pocket expenses.
Year 1 $350 LIMIT
Max 1 check-up, scale and clean and a fluoride treatment
| Service | Benefits |
|---|---|
| Examinations | 60% |
| Single film x-rays | 60% |
| Removal of plaque / calculus | 60% |
| Application of fluoride | 60% |
| Direct fillings (1-2 surfaces) | 60% |
| Direct fillings (3 or more surfaces) | 60% |
| Simple extractions | 60% |
| Teeth whitening - In-chair (service limits apply) | 60% |
| Teeth whitening - Home application (service limits apply) | 60% |
Year 1 $500 LIMIT
| Service | Benefits |
|---|---|
| Indirect fillings | 60% |
| Surgical extractions | 60% |
| Occlusal therapy | 60% |
| Treatment of tissue surrounding teeth | 60% |
| Treatment of root canals | 60% |
| Placing of crowns and bridges | 60% |
| Dentures and/or components (partial and complete) - Limits renew every 3 years | 60% |
Year 1 $450 limit for Orthodontists (Year 1 $225 limit if other dentist)
Lifetime limit $1,950 or $975 for services by dentists, other than orthodontists
| Service | Benefits |
|---|---|
| Orthodontics - orthodontist / other dentists | 60% |
Year 1 $225 LIMIT
| Service | Benefits |
|---|---|
| Spectacle frames | 60% |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | 60% |
| Contact lenses - pair | 60% |
Year 1 $350 LIMIT
| Service | Benefits |
|---|---|
| Physiotherapy – initial / subsequent | 60% |
| Exercise physiology – initial / subsequent | 60% |
Year 1 $300 LIMIT
| Service | Benefits |
|---|---|
| Occupational therapy - initial / subsequent | 60% |
| Speech pathology - initial / subsequent | 60% |
Year 1 $300 LIMIT
| Service | Benefits |
|---|---|
| Psychology (includes group consultations) | 60% |
| HCF-approved counselling & accredited mental health social worker includes group consultations | 60% |
| HCF-approved Online Cognitive Behavioural Therapy courses | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Chiropractic - initial / subsequent | 60% |
| Osteopathy - initial / subsequent | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Remedial massage and myotherapy | 60% |
| Acupuncture and Chinese herbal medicine consultation | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Podiatry (excluding foot orthotics) - initial / subsequent | 60% |
| Orthotist/Prosthetist and Pedorthist consultation | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Dietetics - initial / subsequent | 60% |
Year 1 $180 LIMIT
| Service | Benefits |
|---|---|
| HCF approved vaccines | 60% |
| Health Management Programs HCF approved e.g. exercise classes | 60% |
| Travel and Accommodation (200km round trip) | 60% |
| Accident Benefit | 60% |
| Emergency Ambulance | 60% |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
Restricted means hospital benefits are limited and you may have higher out-of-pocket expenses for these services and treatments.
Year 1 $350 LIMIT
Max 1 check-up, scale and clean and a fluoride treatment
| Service | Benefits |
|---|---|
| Examinations | 60% |
| Single film x-rays | 60% |
| Removal of plaque / calculus | 60% |
| Application of fluoride | 60% |
| Direct fillings (1-2 surfaces) | 60% |
| Direct fillings (3 or more surfaces) | 60% |
| Simple extractions | 60% |
| Teeth whitening - In-chair (service limits apply) | 60% |
| Teeth whitening - Home application (service limits apply) | 60% |
Year 1 $500 LIMIT
| Service | Benefits |
|---|---|
| Indirect fillings | 60% |
| Surgical extractions | 60% |
| Occlusal therapy | 60% |
| Treatment of tissue surrounding teeth | 60% |
| Treatment of root canals | 60% |
| Placing of crowns and bridges | 60% |
| Dentures and/or components (partial and complete) - Limits renew every 3 years | 60% |
Year 1 $450 limit for Orthodontists (Year 1 $225 limit if other dentist)
Lifetime limit $1,950 or $975 for services by dentists, other than orthodontists
| Service | Benefits |
|---|---|
| Orthodontics - orthodontist / other dentists | 60% |
Year 1 $225 LIMIT
| Service | Benefits |
|---|---|
| Spectacle frames | 60% |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | 60% |
| Contact lenses - pair | 60% |
Year 1 $350 LIMIT
| Service | Benefits |
|---|---|
| Physiotherapy – initial / subsequent | 60% |
| Exercise physiology – initial / subsequent | 60% |
Year 1 $300 LIMIT
| Service | Benefits |
|---|---|
| Occupational therapy - initial / subsequent | 60% |
| Speech pathology - initial / subsequent | 60% |
Year 1 $300 LIMIT
| Service | Benefits |
|---|---|
| Psychology (includes group consultations) | 60% |
| HCF-approved counselling & accredited mental health social worker includes group consultations | 60% |
| HCF-approved Online Cognitive Behavioural Therapy courses | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Chiropractic - initial / subsequent | 60% |
| Osteopathy - initial / subsequent | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Remedial massage and myotherapy | 60% |
| Acupuncture and Chinese herbal medicine consultation | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Podiatry (excluding foot orthotics) - initial / subsequent | 60% |
| Orthotist/Prosthetist and Pedorthist consultation | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Dietetics - initial / subsequent | 60% |
Year 1 $180 LIMIT
| Service | Benefits |
|---|---|
| HCF approved vaccines | 60% |
| Health Management Programs HCF approved e.g. exercise classes | 60% |
| Travel and Accommodation (200km round trip) | 60% |
| Accident Benefit | 60% |
| Emergency Ambulance | 60% |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
Excluded means no hospital benefits are payable and you'll pay all out-of-pocket expenses for these services and treatments.
Year 1 $350 LIMIT
Max 1 check-up, scale and clean and a fluoride treatment
| Service | Benefits |
|---|---|
| Examinations | 60% |
| Single film x-rays | 60% |
| Removal of plaque / calculus | 60% |
| Application of fluoride | 60% |
| Direct fillings (1-2 surfaces) | 60% |
| Direct fillings (3 or more surfaces) | 60% |
| Simple extractions | 60% |
| Teeth whitening - In-chair (service limits apply) | 60% |
| Teeth whitening - Home application (service limits apply) | 60% |
Year 1 $500 LIMIT
| Service | Benefits |
|---|---|
| Indirect fillings | 60% |
| Surgical extractions | 60% |
| Occlusal therapy | 60% |
| Treatment of tissue surrounding teeth | 60% |
| Treatment of root canals | 60% |
| Placing of crowns and bridges | 60% |
| Dentures and/or components (partial and complete) - Limits renew every 3 years | 60% |
Year 1 $450 limit for Orthodontists (Year 1 $225 limit if other dentist)
Lifetime limit $1,950 or $975 for services by dentists, other than orthodontists
| Service | Benefits |
|---|---|
| Orthodontics - orthodontist / other dentists | 60% |
Year 1 $225 LIMIT
| Service | Benefits |
|---|---|
| Spectacle frames | 60% |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | 60% |
| Contact lenses - pair | 60% |
Year 1 $350 LIMIT
| Service | Benefits |
|---|---|
| Physiotherapy – initial / subsequent | 60% |
| Exercise physiology – initial / subsequent | 60% |
Year 1 $300 LIMIT
| Service | Benefits |
|---|---|
| Occupational therapy - initial / subsequent | 60% |
| Speech pathology - initial / subsequent | 60% |
Year 1 $300 LIMIT
| Service | Benefits |
|---|---|
| Psychology (includes group consultations) | 60% |
| HCF-approved counselling & accredited mental health social worker includes group consultations | 60% |
| HCF-approved Online Cognitive Behavioural Therapy courses | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Chiropractic - initial / subsequent | 60% |
| Osteopathy - initial / subsequent | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Remedial massage and myotherapy | 60% |
| Acupuncture and Chinese herbal medicine consultation | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Podiatry (excluding foot orthotics) - initial / subsequent | 60% |
| Orthotist/Prosthetist and Pedorthist consultation | 60% |
Year 1 $200 LIMIT
| Service | Benefits |
|---|---|
| Dietetics - initial / subsequent | 60% |
Year 1 $180 LIMIT
| Service | Benefits |
|---|---|
| HCF approved vaccines | 60% |
| Health Management Programs HCF approved e.g. exercise classes | 60% |
| Travel and Accommodation (200km round trip) | 60% |
| Accident Benefit | 60% |
| Emergency Ambulance | 60% |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
