Premium Hospital and Silver Plus Extras

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Purchase

HCF's 30 day guarantee*

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Premium Hospital

  • Pregnancy and birth related services
  • Heart surgery
  • Joint replacements

Silver Plus Extras

  • 100% back on up to two dental checks per year at participating providers
  • Prescription glasses (excluding add-ons such as high index material, coatings and tinting) and free digital retinal imaging eye check at participating providers
  • Cover on a range of therapies

All our package products include

Accident related treatment after joining (Accident Safeguard)
Emergency Ambulance
Removal of tonsils, adenoids and appendix
Surgical treatment of a hernia
Removal of kidney stones & gall stones
Digestive disorder procedures
e.g. bowel surgery
e.g. bowel surgery
Cancer related services
e.g. chemotherapy
e.g. chemotherapy
Diagnostic and preventive dental
Including examinations, single film x-rays, removal of plaque/calculus and application of fluoride
Including examinations, single film x-rays, removal of plaque/calculus and application of fluoride
Physiotherapy
Chiropractic and osteopathy
Remedial massage
and/or myotherapy
and/or myotherapy
Want to see all inclusions?

What's covered

Premium Hospital

Premium hospital cover for those who prefer complete peace of mind

Services
Waiting period
Waiting periods for pre-existing ailments (excluding psychiatric, rehabilitation and palliative care) The waiting period for pre-existing ailments is 12 months. The waiting period for psychiatric treatment, 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. 12 months
Removal of kidney stones & gall stones 2 months
(12 mths pre-existing)
Emergency ambulance 1 day

Silver Plus Extras

Affordable mid level extras cover for a range of services and therapies

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
Pre-existing ailments and conditions 12 months
*Please see the Product summary for information on policy inclusions
Category
Services
Benefits

Dental Hide details

$650 overall limit Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year
General dental Examinations $32 - $73
General dental Single film x-rays $29
General dental Removal of plaque / calculus $36 - $62
General dental Application of fluoride $27
$650 overall limit Max 2 check ups, 2 scale and clean, and 1 fluoride treatment per person, per year
General dental Direct fillings (1-2 surfaces) $85 - $105
General dental Direct fillings (3 or more surfaces) $128 - $177
General dental Simple extractions $95 - $143
Major dental Indirect fillings $298 - $600
Major dental Surgical extractions $157 - $250
Major dental Treatment of tissue surrounding teeth $23 - $374
Major dental Treatment of root canals $27 - $248
Major dental Placing of crowns and bridges $238 - $600
Major dental Dentures and/or components (partial and complete) - Limits renew every 3 years $25 - $600
$200 limit
Optical Spectacle frames $115
Optical Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) $140
Optical Contact lenses - pair $140
$350 combined limit
Therapy Physiotherapy including pelvic floor physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) $56 / $49
Therapy Exercise physiology (group / class consultations covered under Health Management Program) $33
$150 combined limit
Therapy Chiropractic - initial / subsequent $38 / $31
Therapy Osteopathy - initial / subsequent $46 / $36
Therapy Remedial massage and/or myotherapy - initial / subsequent $36 / $31
Therapy Acupuncture and/or Chinese herbal medicine consultation - initial / subsequent $36 / $31
Therapy Naturopathy and/or nutrition consultation - initial / subsequent $36 / $31
Therapy Alexander technique - initial / subsequent $36 / $31
$100 limit
Other HCF approved vaccines and immunisations (After PBS equivalent co-payment subtracted) Up to $50 per script
$50 limit per person max $100 per policy
Other Health Management Programs (HCF approved e.g. exercise classes) Up to $50

SOME THINGS NOT COVERED IN THIS PRODUCT

Orthodontics
Audiology
Podiatry
Artificial aids and hearing aids
Want to see all exclusions?