Extras Cover

Important Information

HCF will collect and use your personal information through this quote process in accordance with our Privacy Collection Notice.

^* Australian Government Rebate has been applied if you selected an income level less than $158,001 for single or less than $316,001 for family. Price excludes any Lifetime Health Cover loading.

^~ 89.2% compared to 85.6% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014–23.

^{^} 100% back at More for You program providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our No-Gap network of healthcare providers changes often. Please check that your provider is part of our No-Gap network before you book or attend an appointment. See hcf.com.au/100back

⁺ Excludes add-ons like high index material, coatings and tinting.

^~~ A first visit means an initial consultation for an eligible health condition that’s new or flare up where no treatment has been provided in the previous 3 months.

^# Eligibility criteria apply. For more information see hcf.com.au/health-programs

^** Depends on your level of cover, annual limits and waiting periods. Service limits of 1 pair every 3 years.

^{^^} Singles and Couples only. Flexible $650 single limit plus $175 optical limit and $100 remedial massage and myotherapy limit per person, per year.

⁺⁺ Cover is limited to emergency transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility). Benefits are not payable for ambulance services covered by a State or Territory government scheme.

^## Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).

^*** Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change without advance notice. See HCF Thank You terms and conditions.

^{^^^} All HCF members are eligible for a member discount of at least 10% on HCF Pet Insurance. HCF Ruby and Diamond members get a 15% discount. Existing Manchester Unity Pet Insurance policies are not eligible for discounts under HCF Thank You. Visit the HCF Thank You page for further information. Where relevant, increased discount will be applied automatically at first renewal after advancement in HCF Thank You tier. To be eligible for the discount members need to have the HCF My Membership app or online member services set up. This offer may be subject to change.

HCF Pet Insurance policies entered into for the first time prior to 21 March 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414 (HCF). HCF Pet Insurance policies entered into for the first time on or after 21 March 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by HCF. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/petinsurance. 

HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. HCF may receive a commission of up to 13% of the premium for promoting HCF Pet Insurance policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance. For more information contact HCF on 13 13 34.

Manchester Unity Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414, and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Manchester Unity Pet Insurance is closed to new customers and is only available for renewal by existing customers. Manchester Unity Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement and Target Market Determination (TMD) ensure this product meets your needs before you renew your cover.

⁺⁺⁺ To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information.

The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies. If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

^### Eligibility criteria apply. For more information see hcf.com.au/victorchang

^##### Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025.

^{^^^^} Waiting periods and annual limits apply. Before you start any program, check you're on eligible cover and the provider of the program is recognised by us. If you're unsure, call 13 13 34 or visit a branch.

⁺⁺⁺⁺ Annual limits increase on some services in year 2 and 3. See extras table in the product summary for details.