HCF Hospital Silver and HCF Top Extras

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HCF Hospital Silver

  • Digestive system
  • Heart and vascular system
  • Back, neck and spine
  • 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

881.6KB PDF

What's covered

HCF Hospital Silver

Affordable hospital cover for some common treatments.

Services
Waiting period
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 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

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?