For procedures identified as Minimum Benefits, we will pay the rate set out by the Commonwealth as the minimum shared room benefit and benefits for Government approved Prostheses List items, if applicable.
Waiting Period: 1 day
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Waiting Period: 2 months
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Waiting Period: 2 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Minimum benefits covered
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 12 months
Waiting Period: 2 months
(12 mths pre-existing)
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Members who have held hospital cover for at least 2 months and upgrade to HCF Hospital Gold to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.
Waiting Period: 2 months
Limited Benefits apply. Default Benefit level payable by HCF for Hospital Treatment as determined under the Private Health Insurance Act.
Waiting Period: 2 months
(12 mths pre-existing)
The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.
Waiting Period: 12 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.
Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.
When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.
If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.
$200 limit
| Service | Benefits |
|---|---|
| Spectacle frames | $115 |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | $140 |
| Contact lenses - pair | $140 |
| Optical | 2 months |
Dental
| Service | Benefits |
|---|---|
| Examinations | $32 - $73 |
| Single film x-rays | $29 |
| Removal of plaque / calculus | $36 - $62 |
| Application of fluoride | $27 |
| Direct fillings (1-2 surfaces) | $85 - $105 |
| Direct fillings (3 or more surfaces) | $128 - $177 |
| Simple extractions | $95 - $143 |
| Indirect fillings | $298 - $600 |
| Surgical extractions | $157 - $250 |
| Treatment of tissue surrounding teeth | $23 - $374 |
| Treatment of root canals | $27 - $248 |
| Placing of crowns and bridges | $238 - $600 |
| Dentures and/or components (partial and complete) | $25 - $600 |
Therapies
| Service | Benefits |
|---|---|
| Physiotherapy including pelvic floor physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) | $56 / $49 |
| Exercise physiology (group / class consultations covered under Health Management Program) | $33 |
| Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations | $20/$65 |
| Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations | $14/$38 |
| HCF-approved counselling & accredited mental health social worker includes group consultations | $12/$31 |
| HCF-approved Online Cognitive Behavioural Therapy courses | $59 |
| Chiropractic - initial / subsequent | $38 / $31 |
| Osteopathy - initial / subsequent | $46 / $36 |
| Remedial massage and myotherapy - initial / subsequent | $36 / $31 |
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | $36 / $31 |
| Dietetics - initial / subsequent | $35 |
Other
| Service | Benefits |
|---|---|
| HCF approved pharmacy (After PBS equivalent co-payment subtracted) | Up to $50 per script |
| Health Management Programs (HCF approved e.g. exercise classes, antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association) | Up to $110 |
| General Dental | 2 months |
| Major Dental | 12 months |
| Orthodontic | 12 months |
| Optical | 2 months |
| Therapies (excluding foot orthotics) | 2 months |
| Travel and Accommodation | 2 months |
| Vaccines and Immunisations | 2 months |
| Artificial aids | 12 months |
| Hearing aids | 12 months |
| Health Management Programs | 2 months |
| School Accident Benefit | 2 – 12 months |
| Foot orthotics | 12 months |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
Included means services and treatments are covered and you'll have less out-of-pocket expenses.
For procedures identified as Minimum Benefits, we will pay the rate set out by the Commonwealth as the minimum shared room benefit and benefits for Government approved Prostheses List items, if applicable.
Waiting Period: 1 day
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Waiting Period: 2 months
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Waiting Period: 2 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Minimum benefits covered
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 12 months
Waiting Period: 2 months
(12 mths pre-existing)
In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.
Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.
When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.
If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.
$200 limit
| Service | Benefits |
|---|---|
| Spectacle frames | $115 |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | $140 |
| Contact lenses - pair | $140 |
| Optical | 2 months |
Dental
| Service | Benefits |
|---|---|
| Examinations | $32 - $73 |
| Single film x-rays | $29 |
| Removal of plaque / calculus | $36 - $62 |
| Application of fluoride | $27 |
| Direct fillings (1-2 surfaces) | $85 - $105 |
| Direct fillings (3 or more surfaces) | $128 - $177 |
| Simple extractions | $95 - $143 |
| Indirect fillings | $298 - $600 |
| Surgical extractions | $157 - $250 |
| Treatment of tissue surrounding teeth | $23 - $374 |
| Treatment of root canals | $27 - $248 |
| Placing of crowns and bridges | $238 - $600 |
| Dentures and/or components (partial and complete) | $25 - $600 |
Therapies
| Service | Benefits |
|---|---|
| Physiotherapy including pelvic floor physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) | $56 / $49 |
| Exercise physiology (group / class consultations covered under Health Management Program) | $33 |
| Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations | $20/$65 |
| Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations | $14/$38 |
| HCF-approved counselling & accredited mental health social worker includes group consultations | $12/$31 |
| HCF-approved Online Cognitive Behavioural Therapy courses | $59 |
| Chiropractic - initial / subsequent | $38 / $31 |
| Osteopathy - initial / subsequent | $46 / $36 |
| Remedial massage and myotherapy - initial / subsequent | $36 / $31 |
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | $36 / $31 |
| Dietetics - initial / subsequent | $35 |
Other
| Service | Benefits |
|---|---|
| HCF approved pharmacy (After PBS equivalent co-payment subtracted) | Up to $50 per script |
| Health Management Programs (HCF approved e.g. exercise classes, antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association) | Up to $110 |
| General Dental | 2 months |
| Major Dental | 12 months |
| Orthodontic | 12 months |
| Optical | 2 months |
| Therapies (excluding foot orthotics) | 2 months |
| Travel and Accommodation | 2 months |
| Vaccines and Immunisations | 2 months |
| Artificial aids | 12 months |
| Hearing aids | 12 months |
| Health Management Programs | 2 months |
| School Accident Benefit | 2 – 12 months |
| Foot orthotics | 12 months |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
Restricted means hospital benefits are limited and you may have higher out-of-pocket expenses for these services and treatments.
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Members who have held hospital cover for at least 2 months and upgrade to HCF Hospital Gold to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.
Waiting Period: 2 months
Limited Benefits apply. Default Benefit level payable by HCF for Hospital Treatment as determined under the Private Health Insurance Act.
Waiting Period: 2 months
(12 mths pre-existing)
The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.
Waiting Period: 12 months
In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.
Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.
When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.
If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.
$200 limit
| Service | Benefits |
|---|---|
| Spectacle frames | $115 |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | $140 |
| Contact lenses - pair | $140 |
| Optical | 2 months |
Dental
| Service | Benefits |
|---|---|
| Examinations | $32 - $73 |
| Single film x-rays | $29 |
| Removal of plaque / calculus | $36 - $62 |
| Application of fluoride | $27 |
| Direct fillings (1-2 surfaces) | $85 - $105 |
| Direct fillings (3 or more surfaces) | $128 - $177 |
| Simple extractions | $95 - $143 |
| Indirect fillings | $298 - $600 |
| Surgical extractions | $157 - $250 |
| Treatment of tissue surrounding teeth | $23 - $374 |
| Treatment of root canals | $27 - $248 |
| Placing of crowns and bridges | $238 - $600 |
| Dentures and/or components (partial and complete) | $25 - $600 |
Therapies
| Service | Benefits |
|---|---|
| Physiotherapy including pelvic floor physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) | $56 / $49 |
| Exercise physiology (group / class consultations covered under Health Management Program) | $33 |
| Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations | $20/$65 |
| Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations | $14/$38 |
| HCF-approved counselling & accredited mental health social worker includes group consultations | $12/$31 |
| HCF-approved Online Cognitive Behavioural Therapy courses | $59 |
| Chiropractic - initial / subsequent | $38 / $31 |
| Osteopathy - initial / subsequent | $46 / $36 |
| Remedial massage and myotherapy - initial / subsequent | $36 / $31 |
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | $36 / $31 |
| Dietetics - initial / subsequent | $35 |
Other
| Service | Benefits |
|---|---|
| HCF approved pharmacy (After PBS equivalent co-payment subtracted) | Up to $50 per script |
| Health Management Programs (HCF approved e.g. exercise classes, antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association) | Up to $110 |
| General Dental | 2 months |
| Major Dental | 12 months |
| Orthodontic | 12 months |
| Optical | 2 months |
| Therapies (excluding foot orthotics) | 2 months |
| Travel and Accommodation | 2 months |
| Vaccines and Immunisations | 2 months |
| Artificial aids | 12 months |
| Hearing aids | 12 months |
| Health Management Programs | 2 months |
| School Accident Benefit | 2 – 12 months |
| Foot orthotics | 12 months |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
Excluded means no hospital benefits are payable and you'll pay all out-of-pocket expenses for these services and treatments.
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.
Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.
When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.
If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.
$200 limit
| Service | Benefits |
|---|---|
| Spectacle frames | $115 |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | $140 |
| Contact lenses - pair | $140 |
| Optical | 2 months |
Dental
| Service | Benefits |
|---|---|
| Examinations | $32 - $73 |
| Single film x-rays | $29 |
| Removal of plaque / calculus | $36 - $62 |
| Application of fluoride | $27 |
| Direct fillings (1-2 surfaces) | $85 - $105 |
| Direct fillings (3 or more surfaces) | $128 - $177 |
| Simple extractions | $95 - $143 |
| Indirect fillings | $298 - $600 |
| Surgical extractions | $157 - $250 |
| Treatment of tissue surrounding teeth | $23 - $374 |
| Treatment of root canals | $27 - $248 |
| Placing of crowns and bridges | $238 - $600 |
| Dentures and/or components (partial and complete) | $25 - $600 |
Therapies
| Service | Benefits |
|---|---|
| Physiotherapy including pelvic floor physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program) | $56 / $49 |
| Exercise physiology (group / class consultations covered under Health Management Program) | $33 |
| Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations | $20/$65 |
| Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations | $14/$38 |
| HCF-approved counselling & accredited mental health social worker includes group consultations | $12/$31 |
| HCF-approved Online Cognitive Behavioural Therapy courses | $59 |
| Chiropractic - initial / subsequent | $38 / $31 |
| Osteopathy - initial / subsequent | $46 / $36 |
| Remedial massage and myotherapy - initial / subsequent | $36 / $31 |
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | $36 / $31 |
| Dietetics - initial / subsequent | $35 |
Other
| Service | Benefits |
|---|---|
| HCF approved pharmacy (After PBS equivalent co-payment subtracted) | Up to $50 per script |
| Health Management Programs (HCF approved e.g. exercise classes, antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association) | Up to $110 |
| General Dental | 2 months |
| Major Dental | 12 months |
| Orthodontic | 12 months |
| Optical | 2 months |
| Therapies (excluding foot orthotics) | 2 months |
| Travel and Accommodation | 2 months |
| Vaccines and Immunisations | 2 months |
| Artificial aids | 12 months |
| Hearing aids | 12 months |
| Health Management Programs | 2 months |
| School Accident Benefit | 2 – 12 months |
| Foot orthotics | 12 months |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
