HCF
$494.26 / month
Before Rebate, Discount & Loading
Available in SA
You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.
This policy covers: Two adults & dependants (3 or more people, only 2 of whom are adults).
Children (0 - 17), non-classified* dependant (18 - 21) and students (22 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Dependent aged 18-21 inclusive
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess on admission. This is limited to a maximum of $250 per person and $500 per policy per year.
Excess payments do not apply to hospital admissions for accidents and dependants.
Co-payments: No co-payments
This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.
Comprehensive hospital cover packaged with extras. No excess for accident related treatment and dependants under 25. Includes travel and accommodation benefits for hospital admission and cover for unlimited emergency ambulance trips. See fund rules for more information. Access to over 100 exclusive offers through HCF Thank You program. For more information visit: www.hcf.com.au/thankyou.
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 * : Includes 100% back on 2 dental check-ups, and 100% back on an initial physio, chiro, osteo and podiatry consult, at participating providers and subject to annual limits.
$250 per person up to $500 per policy
combined limit for acupuncture, chinese medicine & remedial massage
sub-limits apply
$330 per person up to $660 per policy
combined limit for chiropractic & osteopathy
$500 per person up to $1,000 per policy
combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy
$400 per person up to $800 per policy
$100 per person up to $200 per policy
No annual limit
$180 per person up to $360 per policy
$150 per person up to $300 per policy
$400 combined limit per person per year ($800 per policy) for General dental includes Extractions, Basic Restoration and other restoration services and some general and some miscellaneous services. Vaccinations covers travel vaccines on HCFs approved pharmacy list only. Lower benefits apply for some services after the 15th visit. HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy.
Other features of this general treatment cover: Health Dollars Loyalty Rewards accrue for 4 years up to a max of $100 per person /$200 per family policy, per year. These can be used to reduce hospital excess or top up current extras benefits
In SA 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 SA 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/J11/SAFU2D