My Family Plus

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HCF's 30 day guarantee*

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My Family Plus Hospital

  • Pregnancy and birth related services
  • Removal of tonsils, adenoids, appendix
  • Spinal surgery
  • No excess for kids

My Family Plus Extras

  • Flexible cover allows your family to choose how you use your extras
  • Comprehensive cover for a wide range of services, including orthodontics
  • Includes all the features of the My Family package, plus higher limits and additional extras

ALL OUR PACKAGE PRODUCTS INCLUDE

Accident related treatment and no excess 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

My Family Plus Hospital

Designed for growing families looking for affordable mid-level hospital 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 treatment, rehabilitation services and palliative care is 2 months. 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
Accident related treatment after joining (Accident Safeguard) Excluded Services and Minimum Benefit services (except for elective cosmetic surgery and podiatric surgery by an accredited podiatrist) will be treated as Covered Services in the event of an Accident. Conditions apply. Visit hcf.com.au/accident-safeguard 2 months
(12 mths pre-existing)

My Family Plus Extras

Designed for growing families looking for comprehensive and flexible extras cover

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

Optical Hide details

$250 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 $32 - $73
General dental Single film x-rays $31
General dental Removal of plaque / calculus $36 - $64
General dental Application of fluoride $28
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 - $671
Major dental Surgical extractions $165 - $260
Major dental Treatment of tissue surrounding teeth $23 - $374
Major dental Treatment of root canals $27 - $248
Major dental Placing of crowns and bridges $244 - $1,000
Major dental Dentures and/or components (partial and complete) $25 - $1,100
Orthodontists Lifetime limit of $2,100 applies for all orthodontic services, and a further sub-limit of $1,050 for orthodontic services provided by other dentists
Major dental Orthodontics - orthodontist / other dentists Up to $700 / $350
Therapies
Therapy Physiotherapy including pelvic floor physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $58 / $49
Therapy Exercise physiology (group / class consultations covered under Health Management Program) $33
Therapy Psychology (after Medicare entitlement used up) $85
Therapy Occupational therapy $62
Therapy Chiropractic - initial / subsequent $40 / $33
Therapy Osteopathy - initial / subsequent $48 / $38
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
Therapy Dietetics - initial / subsequent $45
Therapy Podiatry (including foot orthotics) - initial / subsequent $35 /$30
Therapy Speech pathology - initial / subsequent $60
Other HCF approved pharmacy (After PBS equivalent co-payment subtracted) Up to $50 per script
Other HCF approved vaccines and immunisations (After PBS equivalent co-payment subtracted) Up to $50 per script
Other Artificial aids (HCF approved e.g. low vision aids) $45 - $150
Other Health Management Programs (HCF approved e.g. exercise classes, antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association) $15 - $150
Other School Accident Benefit For eligible children

SOME THINGS NOT COVERED IN THIS PRODUCT

Gastric banding and obesity surgery
Care involving dialysis for chronic renal failure
Insulin pump treatments
Assisted reproductive services
eg IVF and GIFT
eg IVF and GIFT
Cataract and other lens related surgery
Podiatric surgery by an accredited podiatrist
Audiology
Hearing aids
View the product summary