HCF
$240.02 / 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: One adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult).
Children (0 - 17), non-classified* dependant (18 - 21), students (22 - 30) and non-students (22 to 30), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: Dependent aged 18-21 inclusive
Corporate policy: This is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.
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 * : 100% back on a range of no-gap services through HCF More for You programs. Available at HCF No Gap network providers and subject to annual limits. Includes 'Limit Boost', higher limits for popular services. A higher psychology benefit ($116) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year. Travel and accommodation benefit $250 per policy/year and school accident benefit with $175 annual limit per eligible child.
$450 per person
combined limit for acupuncture, chinese medicine, remedial massage & other services
sub-limits apply
$400 per person
combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses), podiatry & speech therapy
$55 per person up to $200 per policy
$350 per person
combined limit for chiropractic & osteopathy
$1,150 per person
combined limit for endodontic, major dental & other services
$700 per person
combined limit for exercise physiology & physiotherapy
No annual limit
$125 per person up to $250 per policy
$800 per person
$280 per person
combined limit for non pbs pharmaceuticals & vaccinations
combined limit for occupational therapy & psychology
$250 per person
$2,400 lifetime limit
General dental service limits apply. In chair teeth whitening treatment provided by a dentist included in the dental annual limit, a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Orthodontic annual limit is $400 for other dentists, $1,200 lifetime limit. Group Physio & group Exercise Physiology classes covered under health management programs. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF- approved OCBT courses). Sub-limit of $300 per therapy service applies to remedial massage & myotherapy, acupuncture & Chinese herbal medicine. 12 month waiting period for foot orthotics, covered under podiatry (1 pair/person/year). Hearing aid benefits accrue over time and renew every 3 years.
In VIC this policy provides:
Emergency: With a waiting period of 1 day, limited to 1 service per year.
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 an annual service limit of 1 per person and 2 per policy for 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/I28/VIYJ1Y