HCF Hospital Silver Plus and HCF Vital Extras

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HCF Hospital Silver Plus

  • Heart and vascular system
  • Cataracts
  • Joint replacements
  • And many more services

HCF Vital Extras

  • Comprehensive Extras cover
  • Access to all of the HCF More for you no-gap services
  • Increasing loyalty limits each year
  • Any many more services

HCF Hospital Silver Plus and HCF Vital Extras product summary

519.6KB PDF

What's covered

HCF Hospital Silver Plus

Comprehensive hospital cover for those who don’t need cover for pregnancy.

Services
Waiting period
Emergency ambulance 1 day
Rehabilitation 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 Vital Extras

Quality extras cover for a wide 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

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 $31
General dental Removal of plaque / calculus $36 - $64
General dental Application of fluoride $28
Year 1 $800 limit
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 - $671
Major dental Surgical extractions $165 - $260
Major dental Treatment of tissue surrounding teeth $23 - $374
Major dental Treatment of root canals $27 - $248
Major dental Placing of crowns and bridges $244 - $1,000
Major dental Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $1,100
$700 LIMIT for ORTHODONTISTS ($350 LIMIT if general dentist) Lifetime limit $2,100 or $1,050 for services by dentists, other than orthodontists
Major dental Orthodontics - orthodontist / other dentists Up to $700/$350
$250 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
Year 1 $350 limit
Therapy Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $58 / $49
Therapy Exercise physiology (group / class consultations covered under Health Management Program) $33
Year 1 $350 limit
Therapy Occupational therapy $62
Therapy Psychology (after Medicare entitlement used up) $85
Year 1 $250 limit
Therapy Chiropractic - initial / subsequent $40 / $33
Therapy Osteopathy - initial / subsequent $48 / $38
Year 1 $250 limit Sub-limit $250 per therapy service
Therapy Remedial massage and myotherapy - initial / subsequent $36 / $31
Therapy Acupuncture and Chinese herbal medicine consultation - initial / subsequent $36 / $31
Year 1 $200 limit
Therapy Podiatry (including foot orthotics) - initial / subsequent $35 / $30
Therapy Dietetics - initial / subsequent $45
Therapy Audiology - initial / subsequent $60
Therapy Speech pathology - initial / subsequent $60
Max $200 per policy
Other Travel and Accommodation (200km round trip) $40
$180 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 $150 per policy
Other Artificial aids (HCF approved e.g. low vision aids) $45 - $150
$600 - $1,600 limit
Other Hearing aids $600 (benefits accrue and renew every three years)
$150 per person max $300 per policy
Other Health Management Programs (HCF approved e.g. exercise classes) Up to $150 per person
$150 per eligible child
Other School Accident Benefit Up to $150 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?