HCF
$189.54 / month
Before Rebate, Discount & Loading
Available in VIC
You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This policy covers: Two adults (and no-one else).
Our nationwide network of No-Gap participating providers gives you access to comprehensive extras cover at an affordable price. Find out more See https://www.hcf.com.au/locations/find-a-participating-provider.
Note, for treatments marked with * : You can get 100% back at extras providers in our No-Gap network, depending on your cover and annual limits. Includes: 2 dental check-ups a year, a pair of prescription glasses from a selected range and you’ll also get free digital retinal imaging with your eye test, a first visit to a physio, chiro, osteo and podiatrist. A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
$200 per person
combined limit for acupuncture & chinese medicine
sub-limits apply
$500 per person
combined limit for audiology & speech therapy
combined limit for chiropractic, exercise physiology & osteopathy
$300 per person
$2,220 per person
combined limit for endodontic, major dental & other services
$600 per person
combined limit for eye therapy (orthoptics) & physiotherapy
$550 per person
$150 per person up to $300 per policy
combined limit for non pbs pharmaceuticals & vaccinations
$220 per person
$440 per person
$2,640 lifetime limit
Preventative and diagnostic dental is not included in general dental annual limit. Service limits apply. General dental limit of $550 is for direct filings. Endodontic, periodontics, oral surgery & occlusal treatment - combined limit of $500. Crowns & Bridges - $800 annual limit. Dentures - $800 every 3 yrs. Orthodontic lifetime limit for other dentists is a max of $1,000. Increasing loyalty limits apply for some services. Mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses) included.
In VIC this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.
Other features of this ambulance cover: If you are a resident of VIC and you don't have an ambulance subscription with your state ambulance service and aren't offered cover under another arrangement, you have unlimited emergency ambulance services provided by state Ambulance Service Providers.
For further information about this policy see: https://www.hcf.com.au/faqs/faqs-cover#what-is-ambulance-cover
http://www.hcf.com.au
service@hcf.com.au
13 13 34
Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at privatehealth.gov.au/dynamic/Premium/PHIS/HCF/I2/V0000C