HCF Hospital Silver and HCF Mid Extras

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Price excludes Lifetime Health Cover loading

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HCF Hospital Silver

  • Digestive system
  • Heart and vascular system
  • Back, neck and spine
  • And many more services

HCF Mid Extras

  • 100% back on up to two dental checks per year at participating providers
  • Prescription glasses (excluding add-ons such as high index material, coatings and tinting) and free digital retinal imaging eye check at participating providers
  • Cover on a range of therapies
  • And many more services

HCF Hospital Silver and HCF Mid Extras product summary

444.7KB PDF

What's covered

HCF Hospital Silver

Affordable hospital cover for some common treatments.

Services
Waiting periods
Emergency ambulance 1 day
Rehabilitation This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable. 2 months
Hospital psychiatric services This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Members who have held hospital cover for at least 2 months and upgrade to HCF Hospital Gold to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.
2 months

HCF Mid Extras

Affordable mid level extras cover for a 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
School Accident Benefit 2 - 12 months
*Please see the Product summary for information on policy inclusions
Category
Services
Benefits

Dental Hide details

$650 overall limit 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 $29
General dental Removal of plaque / calculus $36 - $62
General dental Application of fluoride $27
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 - $600
Major dental Surgical extractions $157 - $250
Major dental Treatment of tissue surrounding teeth $23 - $374
Major dental Treatment of root canals $27 - $248
Major dental Placing of crowns and bridges $238 - $600
Major dental Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $600
$200 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
$350 combined limit
Therapy Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $56 / $49
Therapy Exercise physiology (group / class consultations covered under Health Management Program) $33
$150 combined limit
Therapy Chiropractic - initial / subsequent $38 / $31
Therapy Osteopathy - initial / subsequent $46 / $36
Therapy Remedial massage and myotherapy - initial / subsequent $36 / $31
Therapy Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31
$100 limit
Other HCF approved vaccines and immunisations (After PBS equivalent co-payment subtracted) Up to $50 per script
$50 limit per person max $100 per policy
Other Health Management Programs (HCF approved e.g. exercise classes) Up to $50

HOSPITAL SERVICES NOT COVERED IN THIS PACKAGE

Cataracts
Joint replacements
Dialysis for chronic kidney failure
Pregnancy and birth
Assisted reproductive services
Weight loss surgery
Insulin pumps
Pain management with device
Sleep studies
Want to see all exclusions?