HCF
$392.63 / month
Before Rebate, Discount & Loading
Available in TAS
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: Only one person.
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 of $250 per admission. This is limited to a maximum of $250 per person and $250 per policy per year.
Excess payments do not apply to hospital admissions for accidents and day surgery.
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.
Top hospital cover for peace of mind. No excess for accident related treatment, dependants under 25 and same day procedures. Includes involuntary unemployment assistance, 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 * : General dental has check-ups with service limits on top of annual limits. Endodontic, Periodontic, Oral surgery & Occlusal therapy - combined limit $500. Ortho accrues at $440/calendar year, up to lifetime limit of $2640 for Orthodontist ($1,000 for General Dentist). On Optical claim up to $500 within a 2 yr period. Sublimit of $250 for contact lens/yr. Claim psychology after Medicare entitlements exhausted. Per hearing aid benefit is the total payable for hearing aids.
$600 per policy
combined limit for acupuncture, chinese medicine, remedial massage & other services
sub-limits apply
$350 per policy
combined limit for chiropractic, exercise physiology & osteopathy
$2,300 per policy
combined limit for endodontic & major dental
$550 per policy
$200 per policy
$800 per policy
$700 per policy
$250 per policy
$440 per policy
$2,640 lifetime limit
$400 per policy
$500 per policy
General dental has check-ups with service limits not in annual limits. Endodontic, Periodontic, Oral surgery & occlusal therapy - combined limit $500. Dentures - $800 every 3 yrs. Ortho accrues at $440/calendar yr up to lifetime limit of $2,640 for Orthodontist ($1,000 for General Dentist). On Optical claim up to $500 within a 2 yr period. Sublimit of $250 for contact lens/yr. includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses).
Other features of this general treatment cover: Crowns & Bridges limit increases by $100 a yr from $800 to $1200. Loyalty benefits apply on Physio and combined chiro & osteo limits. Sub-limits apply to chiro/osteo. Hearing aids limit increase from $800 to $1800 based on tenure. Includes Health Mngt Program limit of $200 pp/$400 per family policy.
Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.
Other features of this ambulance cover: Benefits are not payable when covered by another third party or other funding arrangement, such as a State government scheme. See fund rules for more information.
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/J20B/TBQS10