Premium Hospital and Bronze Extras

From
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Purchase

HCF's 30 day guarantee*

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Premium Hospital

  • Pregnancy and birth related services
  • Heart surgery
  • Joint replacements

Bronze Extras

  • 100% back on one dental check per year at participating providers
  • Basic extras cover
  • Basic cover on a range of therapies

ALL OUR PACKAGE PRODUCTS INCLUDE

Accident related treatment after joining (Accident Safeguard)
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

Premium Hospital

Premium hospital cover for those who prefer complete peace of mind

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
Removal of kidney stones & gall stones 2 months
(12 mths pre-existing)
Emergency ambulance 1 day

Bronze Extras

Cost effective, entry-level extras cover that's competitively priced .

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

$350 limit per person max $700 per policy Max 1 check up, 1 scale and clean, and 1 fluoride treatment per person, per year
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
$350 limit per person max $700 per policy Max 1 check up, 1 scale and clean, and 1 fluoride treatment per person, per year
General dental Direct fillings (1-2 surfaces) $66 - $86
General dental Simple extractions $78 - $88
$150 limit per person max $300 per policy
Therapy Physiotherapy including pelvic floor physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $40 / $35
Combined with physiotherapy limit
Therapy Chiropractic - initial / subsequent $33 / $25
Therapy Osteopathy - initial / subsequent $40 / $30
Therapy Remedial massage and/or myotherapy - initial / subsequent $30 / $25
Therapy Acupuncture and/or Chinese herbal medicine consultation - initial / subsequent $30 / $25
Therapy Naturopathy and/or nutrition consultation - initial / subsequent $30 / $25
Therapy Alexander technique - initial / subsequent $30 / $25

SOME THINGS NOT COVERED IN THIS PRODUCT

Major dental
Orthodontics
Optical
Health management programs
Audiology
Artificial aids and hearing aids
View the product summary