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HCF Hospital Silver Plus
- Heart and vascular system
- Cataracts
- Joint replacements
- 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
What's covered
HCF Hospital Silver Plus
Comprehensive hospital cover for those who don’t need cover for pregnancy.
Services
Waiting period
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
Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year
| Examinations | $34 - $84 | |
| Single film x-rays | $34 | |
| Removal of plaque / calculus | $40 - $75 | |
| Application of fluoride | $29 |
Year 1 $1,000 limit
| Direct fillings (1-2 surfaces) | $105 - $148 | |
| Direct fillings (3 or more surfaces) | $177 - $256 | |
| Simple extractions | $120 - $175 | |
| Indirect fillings | $341 - $783 | |
| Surgical extractions | $210 - $330 | |
| Occlusal therapy | $38 - $400 | |
| Treatment of tissue surrounding teeth | $27 - $430 | |
| Treatment of root canals | $32 - $285 | |
| Placing of crowns and bridges | $280 - $1,100 | |
| 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
| Orthodontics - orthodontist / other dentists | Up to $800/$400 |
$275 limit
| Spectacle frames | $135 | |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | $150 | |
| Contact lenses - pair | $160 |
Year 1 $600 limit
| Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) | $60 / $54 | |
| Exercise physiology (group / class consultations covered under Health Management Program) | $40 |
Year 1 $600 limit
| Occupational therapy | $72 | |
| Psychology (after Medicare entitlement used up) | $100 |
Year 1 $300 limit
| Chiropractic - initial / subsequent | $45 / $35 | |
| Osteopathy - initial / subsequent | $50 / $40 |
Year 1 $300 limit
Sub-limit $300 per therapy service
| Remedial massage and myotherapy - initial / subsequent | $40 / $35 | |
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | $40 / $35 |
Year 1 $250
| Podiatry (including foot orthotics) - initial / subsequent | $40 / $35 | |
| Dietetics - initial / subsequent | $55 | |
| Audiology - initial / subsequent | $70 | |
| Speech pathology - initial / subsequent | $83 |
Max $250 per policy
| Travel and Accommodation (200km round trip) | $50 |
$280 limit
| HCF approved pharmacy (After PBS equivalent co-payment subtracted) | Up to $50 per script | |
| HCF approved vaccines and immunisations (After PBS equivalent co-payment subtracted) | Up to $50 per script |
Max $200 per policy
| Artificial aids (HCF approved e.g. low vision aids) | $55 - $200 |
$800 - $1,800
| Hearing aids | $800 (benefits accrue and renew every three years) |
$200 per person max $400 per policy
| Health Management Programs (HCF approved e.g. exercise classes) | $200 per person/max $400 per policy |
$200 per eligible child
| School Accident Benefit | Up to $200 per eligible child |
HOSPITAL SERVICES NOT COVERED IN THIS PACKAGE
Pregnancy and birth
Assisted reproductive services
Weight loss surgery
Insulin pumps
Want to see all exclusions
