HCF My Future 250 Basic Plus

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HCF's 30 day guarantee*

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HCF My Future Basic Plus Hospital

  • Joint reconstructions
  • Hernia and appendix
  • Dental surgery
  • And other common treatments

HCF My Future 250 Extras

  • $900 combined extras limit plus $180 for optical
  • More for Eyes (optical) & More for Muscles (physio)
  • Teeth whitening (provided by your dentist)

HCF My Future 250 Basic Plus product summary

251KB PDF

What's covered

HCF My Future Basic Plus Hospital

Hospital cover designed for young singles and couples getting health cover for the first time

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 My Future 250 Extras

Flexible extras cover that lets you claim on the included services you need most, with an additional limit for optical.

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

Optical Hide details

$180 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
Dental
General dental Examinations $29 - $60
General dental Single film x-rays $24
General dental Removal of plaque / calculus $36 - $55
General dental Application of fluoride $25
General dental Direct fillings $66 - $143
General dental Simple extractions $78 - $88
Major dental Indirect fillings $240 - $495
Major dental Surgical extractions $125 - $200
Major dental Treatment of tissue surrounding teeth $18 - $314
Major dental Treatment of root canals $18 - $193
Therapies
Therapy Physiotherapy – initial / subsequent $38 / $32
Therapy Exercise physiology $26
Therapy Psychology (after Medicare entitlement used up) $48
Therapy Chiropractic - initial / subsequent $30 / $23
Therapy Osteopathy - initial / subsequent $38 / $32
Therapy Remedial massage and myotherapy - initial / subsequent $27 / $22
Therapy Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25
Other
Other HCF approved vaccines and immunisations (After PBS equivalent co-payment subtracted) Up to $50 per script

HOSPITAL SERVICES NOT COVERED IN THIS PACKAGE

Brain and nervous system
Eye (not cataracts)
Kidney and bladder
Male reproductive system
Digestive system
Gastrointestinal endoscopy
Gynaecology
Chemotherapy, radiotherapy and immunotherapy for cancer
Pain management
Breast surgery (medically necessary)
Diabetes management (excluding insulin pumps)
Heart and vascular system
Lung and chest
Blood
Back, neck and spine
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Implantation of hearing devices
Cataracts
Joint replacements
Dialysis for chronic kidney failure
Pregnancy and birth
Assisted reproductive services
Weight loss surgery
Insulin pumps
Pain management with device
View the product summary