HCF
$357.70 / 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: 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: 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 and extras package designed for singles and couples without dependant kids. No excess for accident related treatment. 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 includes dental check-ups which have service limits not included in annual limit. Endodontic, periodontic, oral surgery & occlusal treatment have a combined limit of $500. Crowns & bridges have a limit of $800. Dentures and orthodontics are not covered. A $200 sublimit for foot orthotics included within Podiatry. (12 month waiting period apply for orthotics). A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
$300 per policy
combined limit for acupuncture, chinese medicine, remedial massage & other services
combined limit for audiology, dietetics/dietary advice, orthotics (podiatric orthoses) & speech therapy
$600 per policy
combined limit for chiropractic, exercise physiology, occupational therapy, osteopathy, physiotherapy & other services
sub-limits apply
$1,300 per policy
combined limit for endodontic, major dental & other services
$550 per policy
$200 per policy
$500 per policy
$250 per policy
Major dental includes surgical extraction, occlusal therapy, periodontics, endodontics and crown & bridges services only. Therapies include mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses), physiotherapy, exercise physiology, chiropractic, osteopathy, occupational therapy, dietetics, podiatry, audiology, speech pathology, remedial massage, myotherapy, acupuncture and chinese herbal medicine services only.
Other features of this general treatment cover: A $200 sublimit for foot orthotics included within Podiatry (12 month waiting period apply for orthotics). Claim psychology after Medicare entitlements exhausted. A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up.
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: 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
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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/J22A/SBSX10