Premium Hospital and Gold Extras

$*Per week
From per month

From per year


HCF's 30 day guarantee*

Total from
Per week
From ${{ss.stepData.steps[ss.stepData.selectedType].package.amount}}* per week
From ${{ss.stepData.steps[ss.stepData.selectedType].hospital.amount}}* per week
From ${{ss.stepData.steps[ss.stepData.selectedType].extra.amount}}* per week
Total from
${{ss.stepData.steps[ss.stepData.selectedType].total.amount}}* per week

Premium Hospital

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

Gold Extras

  • Comprehensive Extras cover
  • Access to all of the HCF More for you no-gap services
  • Increasing loyalty limits each year

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
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

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)

Gold Extras

Quality extras cover for a wide 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

Dental Hide details

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 $31
General dental Removal of plaque / calculus $36 - $64
General dental Application of fluoride $28
Year 1 $800 limit
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 - $654
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 Preparation and/or placing of crowns and bridges $244 - $1,000
Major dental Dentures and/or components (partial and complete) $25 - $1,100
$700 LIMIT for ORTHODONTISTS ($350 LIMIT if general dentist) Lifetime limit $2,100 or $1,050 for services by dentists, other than orthodontists
Major dental Orthodontics - orthodontist / other dentists Up to $700/$350
$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
Year 1 $350 limit
Therapy Physiotherapy – initial / subsequent $58 / $49
Therapy Exercise physiology (group / class consultations covered under Health Management Program) $33
Year 1 $350 limit
Therapy Occupational therapy $62
Therapy Psychology (after Medicare entitlement exhausted) $85
Year 1 $250 limit
Therapy Chiropractic - initial / subsequent $40 / $33
Therapy Osteopathy - initial / subsequent $48 / $38
Year 1 $250 limit Sub-limit $200 per therapy service
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
Year 1 $200 limit
Therapy Podiatry (including foot orthotics) - initial / subsequent $35 / $30
Therapy Dietetics - initial / subsequent $45
Therapy Audiology - initial / subsequent $60
Therapy Speech pathology - initial / subsequent $60
Max $200 per policy
Other Travel and Accommodation (200km round trip) $40
$180 limit
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
Max $150 per policy
Other Artificial aids (HCF approved e.g. low vision aids) $45 - $150
$600 - $1,600 limit
Other Hearing aids $600 (benefits accrue and renew every three years)
$150 per person max $300 per policy
Other Health Management Programs (HCF approved e.g. exercise classes) Up to $150 per person


Artificial aids and hearing aids
Want to see all exclusions?