No-gap services

Looking after your health is easier with 100% back on six key extras.

At HCF we offer a range of fully-covered* services through our More for You programs. We’ve established a network of over 10,000 providers to give you quality extras cover at an affordable price.

Learn more about the programs below or to find a provider in our network, go to Find a participating provider.

*Claiming on these benefits will depend on your level of cover and available limits.

More for Teeth

Visit an HCF Dental Centre or More for Teeth provider to get 100% back on a range of the most common diagnostic and preventive services, including:

  • 1 or 2 check-ups per calendar year
  • scale and clean
  • fluoride treatment
  • 2 mouthguards.

Please be mindful that limits do apply. You can find out more about your limits in our My Membership app or log in to online member services.

More for EYES

Through our HCF Eyecare CentresSpecsavers or Dresden you can get 100% back on:

  • a range of prescription glasses (excluding add-ons like high index material, coatings and tinting)
  • digital retinal imaging with your eye test.

More for hearing

100% back, or a significant discount, on high quality hearing aids from Blamey Saunders hears (depending on your level of cover and entitlements).

To check your eligibility:

  1. log into the Blamey Saunders portal using your HCF member details
  2. check your HCF Hearing aid benefit and the Blamey Saunders Hears price
  3. choose your hearing aid and the system will calculate your HCF benefit and out-of-pocket cost
  4. claim using the online shopping cart so you only pay your out-of-pocket costs.

To find out more go to Blamey Saunders hears or call 1300 443 279.

More 100% back extras

If you have a new condition, or a flare up that hasn’t been treated in the previous 3 months, your first consultation could be fully covered under these programs.

More for backs

100% back on an initial consultation with a participating chiropractor or osteopath (1 per calendar year).

More for muscles

100% back on an initial consultation with a participating physiotherapist (1 per calendar year).

More for feet

100% back on an initial consultation with a participating podiatrist (1 per calendar year).

Check your eligibility

To find out if you’re eligible for a More for You program, check your cover, call us on 13 13 34 or visit an HCF branch.

More for You programs have a 2 month waiting period, except for More for Hearing which is 12 months.

How to claim

Our More for You programs allow to you claim on the spot. For other extras you can claim on the spot through our My Membership app, online, at a branch or by post.

For more detailed information on claiming, log in to online member services and go to Claims

Learn more

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