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HCF Hospital Premium Gold
- Pregnancy & assisted reproductive services
- Joint replacements
- No excess for same-day admissions
- And many more services
HCF Top Extras
- HCF's most comprehensive Extras cover
- Highest annual limits
- Increasing loyalty limits each year
- And many more services
What's covered
HCF Hospital Premium Gold
Our top hospital cover for complete peace of mind.
Services
Waiting period
| Emergency ambulance | 1 day |
| Rehabilitation | 2 months |
| Hospital psychiatric services | 2 months |
HCF Top Extras
Top level extras with the highest coverage for therapies and services
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 |
| School accident benefit | 2 - 12 months |
| *Please see the Product summary for information on policy inclusions |
Category
Services
Benefits
Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year
| Examinations | $34 - $84 | |
| Single film x-rays | $34 | |
| Removal of plaque / calculus | $40 - $75 | |
| Application of fluoride | $29 |
Year 1 $1,000 limit
| Direct fillings (1-2 surfaces) | $105 - $148 | |
| Direct fillings (3 or more surfaces) | $177 - $256 | |
| Simple extractions | $120 - $175 | |
| Indirect fillings | $341 - $783 | |
| Surgical extractions | $210 - $330 | |
| Occlusal therapy | $38 - $400 | |
| Treatment of tissue surrounding teeth | $27 - $430 | |
| Treatment of root canals | $32 - $285 | |
| Placing of crowns and bridges | $280 - $1,100 | |
| Dentures and/or components (partial and complete) - Limits renew every 3 years | $33 - $1,300 |
$800 LIMIT for ORTHODONTISTS ($400 LIMIT if general dentist)
Lifetime limit $2,400 or $1,200 for services by dentists, other than orthodontists
| Orthodontics - orthodontist / other dentists | Up to $800/$400 |
$275 limit
| Spectacle frames | $135 | |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | $150 | |
| Contact lenses - pair | $160 |
Year 1 $600 limit
| Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) | $60 / $54 | |
| Exercise physiology (group / class consultations covered under Health Management Program) | $40 |
Year 1 $600 limit
| Occupational therapy | $72 | |
| Psychology (after Medicare entitlement used up) | $100 |
Year 1 $300 limit
| Chiropractic - initial / subsequent | $45 / $35 | |
| Osteopathy - initial / subsequent | $50 / $40 |
Year 1 $300 limit
Sub-limit $300 per therapy service
| Remedial massage and myotherapy - initial / subsequent | $40 / $35 | |
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | $40 / $35 |
Year 1 $250
| Podiatry (including foot orthotics) - initial / subsequent | $40 / $35 | |
| Dietetics - initial / subsequent | $55 | |
| Audiology - initial / subsequent | $70 | |
| Speech pathology - initial / subsequent | $83 |
Max $250 per policy
| Travel and Accommodation (200km round trip) | $50 |
$280 limit
| HCF approved pharmacy (After PBS equivalent co-payment subtracted) | Up to $50 per script | |
| HCF approved vaccines and immunisations (After PBS equivalent co-payment subtracted) | Up to $50 per script |
Max $200 per policy
| Artificial aids (HCF approved e.g. low vision aids) | $55 - $200 |
$800 - $1,800
| Hearing aids | $800 (benefits accrue and renew every three years) |
$200 per person max $400 per policy
| Health Management Programs (HCF approved e.g. exercise classes) | $200 per person/max $400 per policy |
$200 per eligible child
| School Accident Benefit | Up to $200 per eligible child |
