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1800 062 063

HCF Hospital Premium Gold and HCF Starter Extras (With Optical)

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Price excludes Lifetime Health Cover loading

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HCF Hospital Premium Gold

  • Pregnancy & assisted reproductive services
  • Joint replacements
  • No excess for same-day admissions
  • And many more services

HCF Starter Extras (with optical)

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

HCF Hospital Premium Gold and HCF Starter Extras (with optical) product summary

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325.1KB PDF

What's covered

HCF Hospital Premium 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
Show more

HCF Starter Extras (with optical)

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
School Accident Benefit 2 - 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
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88
$100 limit per person max $200 per policy
Spectacle frames $100
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) $100
Contact lenses - pair $100
$200 limit per person $400 max per policy
Physiotherapy – initial / subsequent $42 / $36
$100 limit per person/max $200 per policy - combined limit
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25













* Important information

HCF's 30 day guarantee - we want you to be happy with your health cover and the choice you've made. So if you change your mind and cancel your HCF policy within 30 days of joining, we will give a 100% refund as long as you haven't made a claim in that period.

The price quoted excludes any Lifetime Health Cover loading.

Before applying to join any of the HCF Hospital and/or Extra Product options, it is important that you read and understand the product information for the cover you have selected. We recommend that you consider the Product Summary to obtain full details of inclusions, exclusions, waiting periods and all limits that may apply.

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