Your Quote

HCF Starter Extras
Quote Number

Basic extras cover for general dental, physio, chiro and some natural therapies.

Cancel within 30 days and get a 100% refund (if you haven't claimed)++

From

*
Select

From , the new price will be *

Excess
Select
*Australian Government Rebate applied and excludes any Lifetime Health Cover loading
Cancel within 30 days and get a 100% refund (if you haven't claimed)++
HCF Starter Extras
From
*
Download product summary (PDF)
HCF Starter Extras
HCF Starter Extras

$350 limit per person max $700 per policy

Max 1 check up, 1 scale and clean, and 1 fluoride treatment per person, per year


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

Waiting period
General Dental 2 months
Major Dental 12 months
Orthodontic 12 months

$150 limit per person max $300 per policy


Service Benefits
Physiotherapy – initial / subsequent $40 / $35

Combined with physiotherapy limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 months
Extra Cover Explained

Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more.  Waiting periods apply and vary according to the type of service.

If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.

Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.

Included means services and treatments are covered and you'll have less out-of-pocket expenses.

Download product summary (PDF)
HCF Starter Extras
HCF Starter Extras

$350 limit per person max $700 per policy

Max 1 check up, 1 scale and clean, and 1 fluoride treatment per person, per year


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

Waiting period
General Dental 2 months
Major Dental 12 months
Orthodontic 12 months

$150 limit per person max $300 per policy


Service Benefits
Physiotherapy – initial / subsequent $40 / $35

Combined with physiotherapy limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 months
Extra Cover Explained

Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more.  Waiting periods apply and vary according to the type of service.

If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.

Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.

Restricted means hospital benefits are limited and you may have higher out-of-pocket expenses for these services and treatments.

Download product summary (PDF)
HCF Starter Extras
HCF Starter Extras

$350 limit per person max $700 per policy

Max 1 check up, 1 scale and clean, and 1 fluoride treatment per person, per year


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

Waiting period
General Dental 2 months
Major Dental 12 months
Orthodontic 12 months

$150 limit per person max $300 per policy


Service Benefits
Physiotherapy – initial / subsequent $40 / $35

Combined with physiotherapy limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 months
Extra Cover Explained

Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more.  Waiting periods apply and vary according to the type of service.

If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.

Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.

Excluded means no hospital benefits are payable and you'll pay all out-of-pocket expenses for these services and treatments.

Download product summary (PDF)
HCF Starter Extras
HCF Starter Extras

$350 limit per person max $700 per policy

Max 1 check up, 1 scale and clean, and 1 fluoride treatment per person, per year


Service Benefits
Examinations $29 - $60
Single film x-rays $24
Removal of plaque / calculus $36 - $55
Application of fluoride $25
Direct fillings (1-2 surfaces) $66 - $86
Simple extractions $78 - $88

Waiting period
General Dental 2 months
Major Dental 12 months
Orthodontic 12 months

$150 limit per person max $300 per policy


Service Benefits
Physiotherapy – initial / subsequent $40 / $35

Combined with physiotherapy limit


Service Benefits
Chiropractic - initial / subsequent $33 / $25
Osteopathy - initial / subsequent $40 / $30
Remedial massage and myotherapy - initial / subsequent $30 / $25
Acupuncture and Chinese herbal medicine consultation - initial / subsequent $30 / $25

Waiting period
Therapies (excluding foot orthotics) 2 months
Extra Cover Explained

Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more.  Waiting periods apply and vary according to the type of service.

If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.

Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.