Mid Plus Hospital and Silver Plus Extras

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Purchase

HCF's 30 day guarantee*

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Mid Plus Hospital

  • Heart surgery
  • Joint replacements
  • Rehabilitation

Silver Plus Extras

  • 100% back on up to two dental checks per year at participating providers
  • Prescription glasses (excluding add-ons such as high index material, coatings and tinting) and free digital retinal imaging eye check at participating providers
  • Cover on a range of therapies

All our package products include

Accident related treatment and no excess charged for accident related treatment
Emergency ambulance
Removal of tonsils, adenoids and appendix
Surgical treatment of a hernia
Removal of kidney stones & gall stones
Digestive disorder procedures
e.g. bowel surgery
e.g. bowel surgery
Cancer related services
e.g. chemotherapy
e.g. chemotherapy
Diagnostic and preventive dental
Including examinations, single film x-rays, removal of plaque/calculus and application of fluoride
Including examinations, single film x-rays, removal of plaque/calculus and application of fluoride
Physiotherapy
Chiropractic and osteopathy
Remedial massage
and/or myotherapy
and/or myotherapy
Want to see all inclusions?

What's covered

Mid Plus Hospital

Comprehensive hospital cover for those not requiring cover for pregnancy

Services
Waiting period
Waiting periods for pre-existing ailments (excluding psychiatric, rehabilitation and palliative care) The waiting period for pre-existing ailments is 12 months. The waiting period for psychiatric services, rehabilitation services and palliative care is 2 months. Emergency ambulance services have a 12 month waiting period for pre-existing ailments. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover. 12 months
Emergency ambulance 1 day
(12 mths pre-existing)
Accident related treatment after joining (for services included in your cover. Minimum Benefit services paid at Minimum Benefits) 2 months
(12 mths pre-existing)

Silver Plus Extras

Affordable mid level extras cover for a 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
Pre-existing ailments and conditions 12 months
*Please see the Product summary for information on policy inclusions
Category
Services
Benefits

Dental Hide details

$650 overall limit 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 $29
General dental Removal of plaque / calculus $36 - $62
General dental Application of fluoride $27
$650 overall limit Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year
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 - $600
Major dental Surgical extractions $157 - $250
Major dental Treatment of tissue surrounding teeth $23 - $374
Major dental Treatment of root canals $27 - $248
Major dental Preparation and/or placing of crowns and bridges $244 - $600
Major dental Dentures and/or components (partial and complete) $25 - $600
$200 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
$350 combined limit
Therapy Physiotherapy – initial / subsequent $56 / $49
Therapy Exercise physiology (group / class consultations covered under Health Management Program) $33
$150 combined limit
Therapy Chiropractic - initial / subsequent $38 / $31
Therapy Osteopathy - initial / subsequent $46 / $36
Therapy Remedial massage and/or myotherapy - initial / subsequent $36 / $31
Therapy Acupuncture and/or Chinese herbal medicine consultation - initial / subsequent $36 / $31
Therapy Naturopathy and/or nutrition consultation - initial / subsequent $36 / $31
Therapy Alexander technique - initial / subsequent $36 / $31
$100 limit
Other HCF approved vaccines and immunisations (After PBS equivalent co-payment subtracted) Up to $50 per script
$50 limit per person max $100 per policy
Other Health Management Programs (HCF approved e.g. exercise classes) Up to $50

SOME THINGS NOT COVERED IN THIS PRODUCT

Pregnancy, birth and assisted reproductive services (IVF)
Gastric banding and obesity surgery
Care involving dialysis for chronic renal failure
Cochlear implant surgery and bone anchored hearing devices
Orthodontics
Audiology
Podiatry
Artificial aids and hearing aids
Want to see all exclusions?