HCF
$401.35 / month
Before Rebate, Discount & Loading
Available in NSW & ACT
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: No excess
Co-payments: Every time you go to hospital you will have to pay:
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 for peace of mind. Includes involuntary unemployment assistance and access to over 100 exclusive offers through HCF Thank You. For more information visit: www.hcf.com.au/thankyou. Includes Travel and Accommodation benefits for hospital stays and cover for unlimited emergency ambulance trips. No excess for Accident related treatment, dependents and same day procedures (waiting periods may apply). Excludes cover for elective cosmetic surgery. See fund rules for more information
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 * : A higher psychology benefit ($80) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year. Sub-limits may apply. See fund rules for more information.
$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
combined limit for non pbs pharmaceuticals & vaccinations
$250 per policy
$440 per policy
$2,640 lifetime limit
$400 per policy
$500 per policy
General dental has check-ups with service limits on top of annual limits. Endodontic, Periodontic, Oral surgery & Occlusal therapy - combined limit $500. Optical claim up to $500 within a 2 year period. Sublimit of $250 for contact lens/year. Sub-limits apply to chiro, osteo and exercise physiology. 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: A higher psychology benefit ($80) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
In NSW & ACT 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: Cover for unlimited air, land and sea emergency ambulance trips and treatment by paramedics in Australia for services provided by recognised Ambulance Service Providers. 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/J20E/NBXB10