HCF
$280.19 / month
Before Rebate, Discount & Loading
Available in QLD
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 $750 per admission. This is limited to a maximum of $750 per person and $750 per policy per year.
Excess payments do not apply to hospital admissions for accidents.
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 for peace of mind. 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 * : 100% back on 2 dental check-ups, prescription glasses and free digital retinal imaging with an eye test, an initial physio, chiro, osteo & podiatry consult as well as 100% back or reduced cost on high quality hearing aids through our partnership with Connect Hearing. Available at participating providers and subject to annual limits.
$400 per policy
combined limit for acupuncture, chiropractic & osteopathy
$500 per policy
$150 per policy
$1,870 per policy
combined limit for endodontic, major dental & other services
sub-limits apply
$600 per policy
combined limit for eye therapy (orthoptics), occupational therapy, physiotherapy & speech therapy
$300 per policy
$100 per policy
combined limit for non pbs pharmaceuticals & vaccinations
$200 per policy
$250 per policy
$1,500 lifetime limit
General dental $300 limit is for direct fillings. Cover also includes dental check ups with service limits, that are not part of the general dental annual limit. Endodontic, periodontic, oral surgery & occlusal treatment - combined limit of $400. Crowns and Bridges - $750 annual limit. Dentures - $600 every 3 years from the date of service. Orthodontic accrues at $250 per calendar year, up to lifetime limit of $1,500 for Orthodontist ($1,000 for General Dentist). Hearing aid limits increase from $500 to $1200 based on tenure and renews every 3 years from the date of service. HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy.
Other features of this general treatment cover: $500 combined annual limit for artificial aids (low vision aids, blood glucose monitors, foot orthotics). Foot orthotics is included under the artificial aids limit and has a sub-limit of $200 (1 pair per person per year). Cover for Health Management Programs such as weight management, with a limit of $100 per person/ $200 per family policy. Travel and accommodation limit of $400 applies and $800 annual limit for school accident benefit.
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.
Other features of this ambulance cover: If you are a resident of QLD you're covered under your state ambulance service scheme Australia-wide and benefits for ambulance services are not payable under your HCF policy.
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/J25K/QOJC10