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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.
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
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 |
Examinations | $34 - $84 | |
Single film x-rays | $34 | |
Removal of plaque / calculus | $40 - $75 | |
Application of fluoride | $29 |
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 |
Orthodontics - orthodontist / other dentists | Up to $800/$400 |
Spectacle frames | $135 | |
Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | $150 | |
Contact lenses - pair | $160 |
Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) | $60 / $54 | |
Exercise physiology (group / class consultations covered under Health Management Program) | $40 |
Occupational therapy | $72 | |
Psychology (after Medicare entitlement used up) | $100 |
Chiropractic - initial / subsequent | $45 / $35 | |
Osteopathy - initial / subsequent | $50 / $40 |
Remedial massage and myotherapy - initial / subsequent | $40 / $35 | |
Acupuncture and Chinese herbal medicine consultation - initial / subsequent | $40 / $35 |
Podiatry (including foot orthotics) - initial / subsequent | $40 / $35 | |
Dietetics - initial / subsequent | $55 | |
Audiology - initial / subsequent | $70 | |
Speech pathology - initial / subsequent | $83 |
Travel and Accommodation (200km round trip) | $50 |
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 |
Artificial aids (HCF approved e.g. low vision aids) | $55 - $200 |
Hearing aids | $800 (benefits accrue and renew every three years) |
Health Management Programs (HCF approved e.g. exercise classes) | $200 per person/max $400 per policy |
School Accident Benefit | Up to $200 per eligible child |