How to getloyalty benefits

Choose Gold or Platinum extras and enjoy higher limits over time.

At HCF, we’re all about giving back to our members – that includes thanking you for your loyalty.

Select Gold or Platinum extras and you can claim more back on a range of services the longer you’re with us (up to a maximum limit). Loyalty benefits apply to dental, physio, chiro, hearing aids and more. 

If you upgrade your cover you may need to serve waiting periods before you can take advantage of your increased benefits and limits.

 

Services (listed amounts are total loyalty limits, per service) Gold extras Platinum extras

Fillings, extractions, oral surgery, periodontics, endodontics, veneers, crowns, bridges and dentures

(dentures claimable every three years)

Year 1 - $800

Year 2 - $950

Year 3+ - $1,100

Year 1 -  $1,000

Year 2 - $1,150

Year 3+ - $1,300

Physiotherapy, exercise physiology

Year 1 - $350

Year 2 - $450

Year 3+ - $550

Year 1 - $600

Year 2 - $750

Year 3+ - $900

Occupational therapy, psychology

Year 1 - $350

Year 2 - $450

Year 3+ - $550

Year 1 - $600

Year 2 - $750

Year 3+  - $900

Remedial massage / myotherapy, acupuncture / CHM consultation, naturopathy / nutrition consultation, Alexander technique

Sub-limit of $200 for Gold extras / $250 for Platinum extras per therapy service per year applies

Year 1 - $250

Year 2 - $350

Year 3+ - $450

Year 1 - $300

Year 2 - $400

Year 3+ - $500

Chiro, osteo

Year 1 - $250

Year 2 - $350

Year 3+ - $450

Year 1 - $300

Year 2 - $400

Year 3+ - $500

Dietetics, audiology, speech pathology, podiatry (including foot orthotics – foot orthotics annual limit is capped at Year 1)

Orthotic sub-limit of $200

Year 1 - $200

Year 2 - $250

Year 3+ - $400

Year 1 - $250

Year 2 - $300

Year 3+ - $500

Hearing aids 

(claimable once every three years)

Under 1 year- Nil

Up to 5 years - $600

Years 6-9 - $800

Years 10-14 - $1,000

Years 15-19 - $1,200

Years 20+ - $1,600

Under 1 year - Nil

Up to 5 years - $800

Years 6-9 - $1,100

Years 10-14 - $1,400

Years 15+ - $1,800

To find out more about HCF loyalty benefits, or to upgrade your extras cover, call 13 13 34.

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