Young Starter

From
$*Per week

Purchase

HCF's 30 day guarantee*

From , the new price will be *

Total from
${{ss.stepData.steps[ss.stepData.selectedType].total.amount}}*
{{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}
rebate
{{ss.stepData.steps[ss.stepData.selectedType].rebate.rebateTier}}
{{ss.stepData.steps[ss.stepData.selectedType].rebate.percentage}}%
Edit
{{ss.stepData.steps[ss.stepData.selectedType].rebate.preSelectionData}}
-
{{ss.stepData.steps[ss.stepData.selectedType].need.selectedNeedName}}
Selected
Edit
{{ss.stepData.steps[ss.stepData.selectedType].need.preSelectionData}}
-
{{ss.stepData.steps[ss.stepData.selectedType].package.name}}
From ${{ss.stepData.steps[ss.stepData.selectedType].package.amount}}* {{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}
Package
Edit
{{ss.stepData.steps[ss.stepData.selectedType].package.preSelectionData}}
-
{{ss.stepData.steps[ss.stepData.selectedType].hospital.name}}
From ${{ss.stepData.steps[ss.stepData.selectedType].hospital.amount}}* {{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}
Package
Edit
{{ss.stepData.steps[ss.stepData.selectedType].hospital.preSelectionData}}
-
{{ss.stepData.steps[ss.stepData.selectedType].extra.name}}
From ${{ss.stepData.steps[ss.stepData.selectedType].extra.amount}}* {{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}
Package
Edit
{{ss.stepData.steps[ss.stepData.selectedType].extra.preSelectionData}}
-
Excess
{{ss.stepData.steps[ss.stepData.selectedType].excess.selectedExcess}}
Edit
{{ss.stepData.steps[ss.stepData.selectedType].excess.preSelectionData}}
-
Total from
${{ss.stepData.steps[ss.stepData.selectedType].total.amount}}* {{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}


Young Starter Hospital

  • Accident related treatment after joining (Accident Safeguard)
  • Joint investigations and reconstructions
  • Surgical treatment of hernia

Young Starter 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

Young Starter Hospital

Designed for young singles and couples getting health cover for the first time

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
Emergency ambulance 1 day
Accident related treatment after joining (Accident Safeguard) Excluded Services and Minimum Benefit services (except for elective cosmetic surgery and podiatric surgery by an accredited podiatrist) will be treated as Covered Services in the event of an Accident. Conditions apply. Visit hcf.com.au/accident-safeguard 2 months
(12 mths pre-existing)

Young Starter Extras

Designed for young singles and couples getting health cover for the first time

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

$500 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
$500 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 - $500
Major dental Surgical extractions $157 - $250
$150 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
$200 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

SOME THINGS NOT COVERED IN THIS PRODUCT

Gastric banding and obesity surgery
Care involving dialysis for chronic renal failure
Insulin pump treatments
Assisted reproductive services
eg IVF and GIFT
eg IVF and GIFT
Cochlear implant surgery and bone anchored hearing devices
Cataract and other lens related surgery
Spinal surgery
Including surgery relating to spinal scoliosis
Including surgery relating to spinal scoliosis
Orthodontics
Audiology
Podiatry
View the product summary