HCF Hospital Gold and HCF Top Extras

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HCF Hospital Gold

  • Pregnancy and birth
  • Assisted reproductive services
  • Hospital psychiatric services
  • And many more services

HCF Top Extras

  • HCF's most comprehensive Extras cover
  • Highest annual limits
  • Increasing loyalty limits each year
  • And many more services

868.5KB PDF

What's covered

HCF Hospital Gold

Our top hospital cover for complete peace of mind.

Services
Waiting period
Emergency ambulance 1 day
Rehabilitation 2 months
Hospital psychiatric services 2 months

HCF Top Extras

Top level extras with the highest coverage for therapies and services

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
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 $34 - $84
General dental Single film x-rays $34
General dental Removal of plaque / calculus $40 - $75
General dental Application of fluoride $29
Year 1 $1,000 limit
General dental Direct fillings (1-2 surfaces) $105 - $148
General dental Direct fillings (3 or more surfaces) $177 - $256
General dental Simple extractions $120 - $175
Major dental Indirect fillings $341 - $783
Major dental Surgical extractions $210 - $330
Major dental Occlusal therapy $38 - $400
Major dental Treatment of tissue surrounding teeth $27 - $430
Major dental Treatment of root canals $32 - $285
Major dental Placing of crowns and bridges $280 - $1,100
Major dental Dentures and/or components (partial and complete) - Limits renew every 3 years $33 - $1,300
$800 LIMIT for ORTHODONTISTS ($400 LIMIT if general dentist) Lifetime limit $2,400 or $1,200 for services by dentists, other than orthodontists
Major dental Orthodontics - orthodontist / other dentists Up to $800/$400
$275 limit
Optical Spectacle frames $135
Optical Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) $150
Optical Contact lenses - pair $160
Year 1 $600 limit
Therapy Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $60 / $54
Therapy Exercise physiology (group / class consultations covered under Health Management Program) $40
Year 1 $600 limit
Therapy Occupational therapy $72
Therapy Psychology (after Medicare entitlement used up) $100
Year 1 $300 limit
Therapy Chiropractic - initial / subsequent $45 / $35
Therapy Osteopathy - initial / subsequent $50 / $40
Year 1 $300 limit Sub-limit $300 per therapy service
Therapy Remedial massage and myotherapy - initial / subsequent $40 / $35
Therapy Acupuncture and Chinese herbal medicine consultation - initial / subsequent $40 / $35
Year 1 $250
Therapy Podiatry (including foot orthotics) - initial / subsequent $40 / $35
Therapy Dietetics - initial / subsequent $55
Therapy Audiology - initial / subsequent $70
Therapy Speech pathology - initial / subsequent $83
Max $250 per policy
Other Travel and Accommodation (200km round trip) $50
$280 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 $200 per policy
Other Artificial aids (HCF approved e.g. low vision aids) $55 - $200
$800 - $1,800
Other Hearing aids $800 (benefits accrue and renew every three years)
$200 per person max $400 per policy
Other Health Management Programs (HCF approved e.g. exercise classes) $200 per person/max $400 per policy
$200 per eligible child
Other School Accident Benefit Up to $200 per eligible child