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HCF My Future Basic Plus Hospital
- Joint reconstructions
- Hernia and appendix
- Dental surgery
- And other common treatments
HCF My Future 500 Extras
- $750 combined extras limit plus $180 for optical
- More for Eyes (optical) & More for Muscles (physio)
- Teeth whitening (provided by your dentist)
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
HCF My Future 500 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
$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
