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Cover for pregnancy

Looking to start a family or welcome a new member soon~? HCF cover for pregnancy supports you through your journey, making sure you and your baby have the care you need.

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A pregnant mother sits on the couch with her partner and child who kisses her pregnant belly.

why choose hcf cover for pregnancy?

Whether it's parents-to-be or families welcoming a newborn to the household, find cover options that work for you from the fund that puts its members' health first.

A location pin icon

Choose your own doctor and the hospital where you feel most comfortable for your baby's birth~.

A fetus icon

Access a range of prenatal and postnatal support services through selected extras cover^.

An icon of a hospital bed.

Get your own private room during your hospital stay, so long as the facility has a room available.

A hospital building icon.

Access lower or no-gap hospital services, excluding excess, through our extensive network of participating hospitals.

Find the right health cover for pregnancy

I am looking for

single couple family single parent

I’m

under 31 31 - 44 45 - 64 65 - 69 70 and above

and live in

NSW VIC QLD SA WA TAS ACT NT

My annual

My annual income is

$101,000 or less $101,001 - $118,000 $118,001 - $158,000 $158,001 or more prefer not to specify
$202,000 or less $202,001 - $236,000 $236,001 - $316,000 $316,001 or more prefer not to specify
Weekly Fortnightly Monthly Quarterly Half yearly Yearly

Hospital and extras cover

HCF Hospital Optimal Gold and HCF Mid Extras

From $0.0* /week

From

$0.0* /week

Price includes combined cover

Hospital excess

Our highest level of hospital cover, combined with mid-level extras cover for a range of everyday health services.

  • Cover for pregnancy and birth related services~ and assisted reproductive services like IVF.
  • Enjoy no excess for kids under 25 and a private hospital room depending on availability.
  • 100% back# on 2 dental check-ups a year through our No-Gap provider network.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

    Waiting Period: 12 months

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, 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.

    Waiting Period: 12 months

  • Annual limit: $200

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • Annual limit $700 (Max 2 check ups, 2 scale and cleans and 1 fluoride treatment per person, per year) Combined with General dental and Major dental

    Diagnostic & Preventative:

    Examinations: $32 - $73

    Removal of plaque / calculus: $36 - $63

    Application of fluoride: $27

    Single film x-rays: $29

    Teeth whitening - In-chair (service limits apply): $50

    Direct fillings (1-2 surfaces): $85 - $108

    Direct fillings (3 or more surfaces): $128 - $177

    Simple extractions: $96 - $143

  • Annual limit $700 Combined with General dental and Major dental

    Indirect fillings: $298 - $600

    Surgical extractions: $167 - $265

    Treatment of tissue surrounding teeth: $23 - $374

    Treatment of root canals: $27 - $315

    Placing of crowns and bridges: $133 - $600

    Dentures and/or components (partial and complete): Limits renew every 3 years: $25 - $600

  • Occlusal therapy: $0

  • Benefit amount for Orthodontist: $0

    Benefit amount for other dentists: $0

  • $350 Combined Annual limit with Physiotherapy and Exercise Physiology

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $56 / $49

  • $350 Combined Annual limit with Physiotherapy and Exercise Physiology

    Exercise physiology (group / class consultations covered under Health Management Program): $33

  • $150 Combined Annual limit with Chiropractic & Osteopathy, Remedial massage and myotherapy and Acupuncture and Chinese herbal medicine consultations

    Chiropractic - initial / subsequent: $38 / $34

    Osteopathy - initial / subsequent : $46 / $39

  • Podiatry consultation - initial / subsequent: $0

  • Orthotist/Prosthetist and Pedorthist consultation: $0

  • Speech pathology - initial / subsequent : $0

  • Speech pathology - initial / subsequent : $0

  • Occupational therapy: $0

  • Dietitian: $0

  • Annual limit $150

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $0

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $0

    HCF-approved counselling & accredited mental health social worker includes group consultations: $9 / $23

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • $150 Combined Annual limit with Chiropractic & Osteopathy, Remedial massage and myotherapy and Acupuncture and Chinese herbal medicine consultations

    Remedial massage and myotherapy: $36

    Acupuncture and Chinese herbal medicine consultation: $36

  • HCF approved pharmacy (After PBS equivalent co-payment subtracted): $0

  • Annual limit $100

    Vaccines - HCF-approved: Up to $50 per script

  • Artificial aids HCF approved e.g. low vision aids: $0

  • Hearing aids: $0

  • $50 per person, Max $100 per policy

    HCF approved e.g. exercise classes (including Pilates, yoga and Tai Chi), group physiotherapy and group exercise physiology classes, weight management, learn to swim and antenatal/postnatal services: Up to $50

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : $0

  • School Accident Benefit: $0

  • Travel and Accommodation (200km round trip): $0

View product summary

Most popular

Hospital and extras package

HCF My Family Silver Plus

From $0.0* /week

From

$0.0* /week

Price includes combined cover

Hospital excess

Hospital cover for individuals who want pregnancy cover, and a range of extras like dental and physio.

  • Cover for pregnancy and birth related services~, and more.
  • Private hospital room depending on availability and flexible $800 combined limit on extras.
  • Claim for a range of HCF-approved antenatal and postnatal services^ up to $800 combined annual limit.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable. Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

    Waiting Period: 12 months

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, 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.

    Waiting Period: 12 months

  • Annual limit: $200 limit

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • $800 Combined Annual limit (Max 2 check-ups, 2 scale and cleans and 1 fluoride treatment per person per year)

    Diagnostic & Preventative:

    Examinations: $32 - $73

    Removal of plaque / calculus: $36 - $63

    Application of fluoride: $27

    Single film x-rays: $29

    Teeth whitening - In-chair (service limits apply): $50

    Teeth whitening - Home application (service limits apply): $0

    Direct fillings (1-2 surfaces): $85 - $108

    Direct fillings (3 or more surfaces): $128 - $177

    Simple extractions: $96 - $143

  • $800 Combined Annual limit

    Indirect fillings: $298 - $600

    Surgical extractions: $167 - $265

    Treatment of tissue surrounding teeth: $23 - $374

    Treatment of root canals: $27-$315

    Placing of crowns and bridges: $133 - $600

    Dentures and/or components (partial and complete): $25 - $600 - Limits renew every 3 years (Every calendar year if repairs)

  • Occlusal therapy: $0

  • Benefit amount for Orthodontist: $0

    Benefit amount for other dentists: $0

  • $800 Combined Annual limit

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $56 / $49

  • $800 Combined Annual limit

    Exercise physiology (group / class consultations covered under Health Management Program): $33

  • $800 Combined Annual limit

    Chiropractic - initial / subsequent: $38 / $33

    Osteopathy - initial / subsequent : $46 / $39

  • Podiatry consultation - initial / subsequent: $0

  • Orthotist/Prosthetist and Pedorthist consultation: $0

  • Audiology - initial / subsequent : $0

  • Speech pathology - initial / subsequent : $0

  • Occupational therapy: $0

  • $800 Combined Annual limit

    Dietitian: $35

  • $800 Combined Annual limit

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $20 / $70

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $14 / $50

    HCF-approved counselling & accredited mental health social worker includes group consultations: $12 / $31

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • $800 Combined Annual limit

    Remedial massage and myotherapy: $36

    Acupuncture and Chinese herbal medicine consultation: $36

  • $800 Combined Annual limit

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): Upto $50 per script

  • $800 Combined Annual limit

    Vaccines - HCF-approved: Upto $50 per script

  • Artificial aids HCF approved e.g. low vision aids: $0

  • Hearing aids: $0

  • $800 Combined Annual limit

    HCF approved e.g. exercise classes (including Pilates, yoga and Tai Chi), group physiotherapy and group exercise physiology classes, weight management, learn to swim and antenatal/postnatal services: Up to $110

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : Up to $110

  • School Accident Benefit: $0

  • Travel and Accommodation (200km round trip): $0

View product summary

Hospital and extras package

HCF My Family Advanced Silver Plus

From $0.0* /week

From

$0.0* /week

Price includes combined cover

Hospital excess

Hospital cover for individuals that includes pregnancy cover, and a range of extras like major dental, physio, podiatry and more.

  • Cover for pregnancy and birth related services~, and more.
  • Private hospital room depending on availability and flexible $1,200 combined limit on extras.
  • Claim for a range of HCF-approved antenatal and postnatal services^ up to $1,200 combined annual limit.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable. Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

    Waiting Period: 12 months

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, 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.

    Waiting Period: 12 months

  • Annual limit: $250

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • $1200 Combined Annual limit (Max 2 check-ups, 2 scale and cleans and 1 fluoride treatment per person per year)

    Diagnostic & Preventative:

    Examinations: $32 - $73

    Removal of plaque / calculus: $36 - $65

    Application of fluoride: $28

    Single film x-rays: $31

    Teeth whitening - In-chair (service limits apply): $50

    Direct fillings (1-2 surfaces): $85 - $110

    Direct fillings (3 or more surfaces): $128 - $177

    Simple extractions: $96 - $143

  • $1200 Combined Annual limit

    Indirect fillings: $298 - $671

    Surgical extractions: $184-$275

    Treatment of tissue surrounding teeth: $23 - $374

    Treatment of root canals: $27-$315

    Placing of crowns and bridges: $133 - $1000

    Dentures and/or components (partial and complete): $25 - $1100 - Limits renew every 3 years (Every calendar year if repairs)

  • Occlusal therapy: $0

  • Annual limit for Orthodontist $700 ($350 limit for other dentists) Lifetime limit of $2100 for Orthodontist or $1050 for dentists

    Benefit amount for Orthodontist: Up to $700

    Benefit amount for other dentists: Up to $350

  • $1200 Combined Annual limit

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $58 / $49

  • $1200 Combined Annual limit

    Exercise physiology (group / class consultations covered under Health Management Program): $33

  • $1200 Combined Annual limit

    Chiropractic - initial / subsequent: $40 / $35

    Osteopathy - initial / subsequent : $48 / $41

  • $1200 Combined Annual limit

    Podiatry consultation - initial / subsequent: $35 / $30

  • $1200 Combined Annual limit

    Orthotist/Prosthetist and Pedorthist consultation: $30

  • Audiology - initial / subsequent : $0

  • $1200 Combined Annual limit

    Speech pathology - initial / subsequent : $60

  • $1200 Combined Annual limit

    Occupational therapy: $62

  • $1200 Combined Annual limit

    Dietitian: $45

  • $1200 Combined Annual limit

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $26 / $100

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $18 / $65

    HCF-approved counselling & accredited mental health social worker includes group consultations: $15 / $41

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • $1200 Combined Annual limit

    Remedial massage and myotherapy: $36

    Acupuncture and Chinese herbal medicine consultation: $36

  • $1200 Combined Annual limit

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): Upto $50 per script

  • $1200 Combined Annual limit

    Vaccines - HCF-approved: Upto $50 per script

  • $1200 Combined Annual limit

    Artificial aids HCF approved e.g. low vision aids: $45 - $150

  • Hearing aids: $0

  • $1200 Combined Annual limit

    HCF approved e.g. exercise classes (including Pilates, yoga and Tai Chi), group physiotherapy and group exercise physiology classes, weight management, learn to swim and antenatal/postnatal services: Up to $150

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : Up to $150

  • $1200 Combined Annual limit***

    School Accident Benefit: For eligible children

  • Travel and Accommodation (200km round trip): $0

View product summary

Looking for health cover that matches your needs?

Whether you’re after a higher level of cover for more treatments and services, or something that better fits your budget, get a quote to find the right cover for you.

Get a quote

benefits of HCF health insurance for pregnancy

If you’re looking for support during your pregnancy and more choice and protection for your growing family, HCF private health cover is there to give you peace of mind.

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Flexibility to use your extras limit on the services that you need most through My Family cover options.

An icon of a mother breastfeeding her baby.

Access to support like lactation consults, pregnancy compression garments and more^ to help you during and following your pregnancy.

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Emergency ambulance cover+ just in case you need help getting to the hospital for your delivery.

Get a quote

Do I need hospital, extras cover or both?

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Hospital and extras cover

Get hospital and extras cover for more protection and coverage, from private hospital care and treatments to a range of extras like dental, physio, optical, chiro and remedial massage.

View hospital and extras
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Hospital cover

Choose hospital cover to make sure you’re covered for private hospital admission, emergency ambulance services+, a range of in-hospital treatments and costs, and more.   

View hospital cover 
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Extras cover

Use extras cover for services generally not covered by Medicare, and claim on extras like physio and optical, and get 100% back# on a dental check-up through our No-Gap network.

View extras cover
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Preparing for childbirth

Read tips on how to prepare for having a baby and what to expect with HCF hospital cover, learn about different types of deliveries and postnatal care, and check typical out-of-pocket costs for members.

Learn more about childbirth
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Find a provider

HCF hospital cover gives you access to our extensive network of participating hospitals and medical specialists to help lower your out-of-pocket costs, so you can focus on your due date and caring for your newborn and family. 

Find a provider today

Award-winning insurance trusted by more than 2 million australians

Canstar 2025 outstanding value for health insurance award logo.
Outstanding value 10 years in a row

We've won Canstar’s Outstanding Value Award for Health Insurance 10 years in a row (2016 to 2025).

Roy Morgan 2025 most trusted brand for private health insurance award logo.
Australia’s most trusted health fund 2025

We're Roy Morgan’s 2025 Most Trusted Private Health Insurance Brand#####. 

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2024 Finder Health Insurance Award winner

Based on value for money, we scored higher than all eligible bronze hospital policies on the market for our Hospital Bronze Plus $750 Excess cover.

Get a quote

Need help understanding private health cover for pregnancy?

Answers to commonly asked questions to help you make the right choice.

If you want to go to a private hospital for the birth of your baby, you’ll need to have hospital cover that includes ‘pregnancy and birth-related services’ at least 12 months before the baby’s birth date (as there's a 12-month waiting period). This means hospital services, like any pregnancy complications, the birth and your postnatal care, will be covered.

Find out about choosing the right cover for you

If you’ve already decided to have your baby in a public hospital, but want access to services like remedial massage, dental, postnatal support services and more, HCF extras cover can provide you and your growing family with the support you need.

Learn more about extras cover

These are services that are directly related to hospitalisation for pregnancy and childbirth, including pregnancy complications, the delivery, and prenatal and postnatal support services for the mother.

Depending on your cover, these can also include:

  • your own private room during your private hospital stay, depending on availability, with eligible hospital cover

  • up to 100% of your hospital costs covered through our network of participating hospitals, with eligible hospital cover (other than any excess that applies to your cover and other small permitted gaps)  

  • HCF-approved postnatal support services, including breastfeeding consultations and support services provided by the Australian Breastfeeding Association and pregnancy compression garments, with eligible extras cover

  • HCF-approved antenatal and postnatal classes, including group physio classes and pelvic floor physio, with eligible extras cover.

More about pregnancy, birth and perinatal

Medicare can provide some coverage for childbirth, including hospital care and medical services in a public hospital, however it won’t cover all costs associated with your birth in a private hospital. For coverage in a private hospital and additional benefits like your own private room, access to support programs for soon-to-be or new parents, and postnatal support services, you may want to consider private health cover that includes pregnancy and birth-related services.

Public vs private hospitals for pregnancy

Does private health insurance cover pregnancy ultrasounds? 
 
No, private health insurance doesn’t cover pregnancy ultrasounds. Private health insurance only covers pregnancy ultrasounds if it’s deemed medically necessary and conducted as an inpatient in a hospital.

Does private health insurance cover obstetrician fees?

Private health insurance doesn’t cover consultations with your obstetrician before or after the delivery of your baby.

Learn more about antenatal care

No. You have to let us know that you’re expecting a baby.  

If you’re on a single or couples membership, it’s important to call us to inform us of your expected due date as soon as possible. We’ll then transfer you to a family membership from the expected date of birth. This will make sure your baby is covered and won’t have to serve any waiting periods. 

If you don’t tell us your expected due date, you have 2 months to transfer to a family membership from the date your baby was born, and your baby will be covered from this date. 

If you’re already on a family membership, you’ll need to tell us when your baby is born so we can add them to your cover.

Yes, you’ll have out-of-pocket costs if you have a baby at a private hospital. As Australia’s largest not-for-profit health fund, we strive to keep these costs as low as possible for our members by partnering with more hospitals, doctors and extras providers across Australia. We also make it easy for members to discover the typical out-of-pocket costs members can expect to pay for childbirth with our cost indicator tools.

Learn about vaginal birth costs

Learn about caesarean birth costs

If you want to go to a private hospital for the birth of your baby, you’ll need to have hospital cover that includes ‘pregnancy and birth-related services’ at least 12 months before the baby’s birth date (as there's a 12-month waiting period). This means hospital services, like any pregnancy complications, the birth and your postnatal care, will be covered.

Find out about choosing the right cover for you

If you’ve already decided to have your baby in a public hospital, but want access to services like remedial massage, dental, postnatal support services and more, HCF extras cover can provide you and your growing family with the support you need.

Learn more about extras cover

These are services that are directly related to hospitalisation for pregnancy and childbirth, including pregnancy complications, the delivery, and prenatal and postnatal support services for the mother.

Depending on your cover, these can also include:

  • your own private room during your private hospital stay, depending on availability, with eligible hospital cover

  • up to 100% of your hospital costs covered through our network of participating hospitals, with eligible hospital cover (other than any excess that applies to your cover and other small permitted gaps)  

  • HCF-approved postnatal support services, including breastfeeding consultations and support services provided by the Australian Breastfeeding Association and pregnancy compression garments, with eligible extras cover

  • HCF-approved antenatal and postnatal classes, including group physio classes and pelvic floor physio, with eligible extras cover.

More about pregnancy, birth and perinatal

Medicare can provide some coverage for childbirth, including hospital care and medical services in a public hospital, however it won’t cover all costs associated with your birth in a private hospital. For coverage in a private hospital and additional benefits like your own private room, access to support programs for soon-to-be or new parents, and postnatal support services, you may want to consider private health cover that includes pregnancy and birth-related services.

Public vs private hospitals for pregnancy

Does private health insurance cover pregnancy ultrasounds? 
 
No, private health insurance doesn’t cover pregnancy ultrasounds. Private health insurance only covers pregnancy ultrasounds if it’s deemed medically necessary and conducted as an inpatient in a hospital.

Does private health insurance cover obstetrician fees?

Private health insurance doesn’t cover consultations with your obstetrician before or after the delivery of your baby.

Learn more about antenatal care

No. You have to let us know that you’re expecting a baby.  

If you’re on a single or couples membership, it’s important to call us to inform us of your expected due date as soon as possible. We’ll then transfer you to a family membership from the expected date of birth. This will make sure your baby is covered and won’t have to serve any waiting periods. 

If you don’t tell us your expected due date, you have 2 months to transfer to a family membership from the date your baby was born, and your baby will be covered from this date. 

If you’re already on a family membership, you’ll need to tell us when your baby is born so we can add them to your cover.

Yes, you’ll have out-of-pocket costs if you have a baby at a private hospital. As Australia’s largest not-for-profit health fund, we strive to keep these costs as low as possible for our members by partnering with more hospitals, doctors and extras providers across Australia. We also make it easy for members to discover the typical out-of-pocket costs members can expect to pay for childbirth with our cost indicator tools.

Learn about vaginal birth costs

Learn about caesarean birth costs

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.

~ 12-month waiting period applies.

^ 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. 

+ 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.

# 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

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

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan