HCF Hospital Standard Silver Plus and HCF Top Extras

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HCF Hospital Standard Silver Plus

  • 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

HCF Hospital Standard Silver Plus and HCF Top Extras Product Summary

525.6KB PDF

What's Covered

HCF Hospital Standard Silver Plus

Affordable hospital cover for some common treatments.

Services
Waiting Periods
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 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
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

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