HCF extras only health insurance

Choose from 5 levels of extras only health insurance with HCF.

HCF has grown to become the largest not-for-profit health fund in Australia with an award winning product range matched by nationally recognised customer service. In addition to its three hospital cover options, HCF provides five levels of extras cover: Bronze Extras, Bronze Plus Extras, Silver Plus Extras, Gold Extras and Platinum Extras.

Looking for a Extras Only Health Insurance that can be tailored with additional cover options to meet your needs? Read on to discover the benefits of HCF Extras Only Health Insurance or submit your details in the form below to receive a no-obligation quote from an insurance consultant.

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What does HCF Extras Only policies cover?

HCF members can choose from the following five levels of extras cover:

  • Bronze Extras. This entry-level extras cover provides basic protection for dental costs and a range of other general treatments. It’s designed for those who want the most affordable cover option available. *Starts from $2.92 per week
  • Bronze Plus Extras. With cover for dental, optical, physiotherapy, chiropractic and more, this next level of cover provides a broader range of benefits and higher benefit limits. *Starts from $3.98 per week
  • Silver Plus Extras. This mid-level policy option is designed to combine affordability with a decent range of benefits. It includes higher benefit limits and cover for treatments such as oral surgery, osteopathy, remedial massage and emergency ambulance. *Starts from $7.20 per week
  • Gold Extras. This policy offers quality extras cover for an extensive range of treatments and services, including orthodontics, dietetics, and hearing aids. *Starts from $13.75 per week
  • Platinum Extras. This is the top level of cover from HCF. It provides the highest benefit limits available and covers a huge range of general treatment options. *Starts from $18.42 per week

*Price is based on a single male living in the State of New South Wales in April 2018.

General DentalMajor DentalOpticalPhysiotherapyPsychologyChiropracticApply
Bronze Plus Extras
  • $400.00
  • No cover
  • $100.00
  • $200.00
  • No cover
  • $100.00
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Bronze Extras
  • $350.00
  • No cover
  • No cover
  • $150.00
  • No cover
  • $150.00
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Silver Plus Extras
  • $650.00
  • $650.00
  • $200.00
  • $350.00
  • No cover
  • $150.00
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Gold Extras
  • No annual limit
  • $800.00
  • $250.00
  • $350.00
  • $350.00
  • $250.00
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Platinum Extras
  • No annual limit
  • $1,000.00
  • $275.00
  • $600.00
  • $600.00
  • $300.00
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Are there any additional benefits?

  • Pet Insurance discounts. Members can take advantage of a 15% discount on HCF Pet Insurance.
  • Travel insurance discounts. HCF Travel Insurance is available to HCF health fund members at a 20% discount.
  • Member benefits. In the 2014 financial year, HCF returned 93.3 cents on the dollar for member benefits. The health fund average across Australia was only 86.4 cents.
  • No excess. No hospital excess is payable for dependent children.
  • Fully covered extras. HCF provides a wide range of fully covered extras treatments for teeth, eyes, muscles, feet and back through a network of more than 9,500 providers.
  • My Health Guardian. This online program gives you the tools you need to improve your overall health and wellbeing.
  • Dental and eyecare centres. HCF operates several dental and eyecare centres across metropolitan Sydney.

Policy limitations, exclusions, waiting periods and excesses

The list of general exclusions on your HCF PDS contains situations when your extras claim will not be paid. These include if:

  • Your claim is for services received outside Australia
  • Your claim is for services received more than two years prior to the date you lodge your claim
  • Your claim is for the treatment of pre-existing conditions or ailments during the first 12 months of your membership
  • Your claim is for goods or services from a provider not recognised by HCF
  • Your claim is for expenses that could be recoverable from another source

When you join any Australian health fund, if you have not held private health cover before you will need to serve waiting periods. While most extras services are available after two months, others such as major dental and hearing aids require you to serve longer waiting periods.

How much does HCF Extras Only cost?

There are a range of factors that influence the cost of your HCF extras cover, including:

  • The policy you choose. The higher the level of cover the more you have to pay for it.
  • Rebates. Whether or not you are eligible for the Government private health insurance rebate.
  • Lifetime Health Cover. Sign up for cover before your 31st birthday and you can avoid paying additional premiums.

How to save on your HCF Extras Only

  • Lower your cover. Choose a lower level of cover to enjoy cheaper premiums.
  • Combine your cover. Choosing combined hospital and extras cover is cheaper than the combined premiums charged for standalone extras and hospital cover.
  • Loyalty benefits. The longer you stay a member of HCF, the more you can claim on certain benefits such as physiotherapy, major dental and natural therapies.

How do I make a claim?

  • Claim on the spot by swiping your HCF membership card
  • Claim online through the HCF website
  • Claim from your smartphone using the HCF app
  • Claim at any HCF branch
  • Claim by post by filling out and submitting a claim form

In order for claims to be approved you will need to provide:

  • The name and contact details of the provider
  • Details of the service you received
  • The date the service was received
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Some final questions you might have

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Is there an option for overseas visitors?

If you’re an overseas visitor working in Australia, HCF Overseas Visitors Health Cover provides comprehensive health protection. It provides cover for hospital accommodation in a HCF approved hospital, theatre fees, special care unit, emergency ambulance cover and more. Optional extras cover is also available to cover dental, physiotherapy, chiropractic, osteo, optical and natural therapies. As the largest not-for-profit health fund in Australia, HCF can offer a range of attractive features to its customers. Just make sure to compare the benefits and advantages of several funds before deciding on the right one for you.

Interested in Applying for HCF Extras Only Health Insurance?

If the cover provided under the HCF Extras Only Health Insurance policy looks like a good fit for you, why not make a secure enquiry with an insurance consultant to find out more and receive a no-obligation quote. A consultant will help you compare this policy against other policies available and assist you with your policy application. Quotes are provided free of charge.

Receive a quote for HCF Extras Only Health Insurance


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6 Responses

  1. Default Gravatar
    MeenaFebruary 26, 2017

    Hi There, I am a 67yrs old female. I purchased Overseas visitor health cover last year when I came to visit my kids on a visitor visa Class FA subclass 600. I have now submitted an onshore application for aged parent visa 804 and since my visa status has changed to bridging visa A. Due to this change in my visa status, I wonder if the existing insurance (overseas visitor health cover) is still suitable and cover me during my bridging visa status. I want to ascertain that change of my visa status does not void the eligibility criteria to continue with the OVHC cover. Is there any other types and more comprehensive insurance available for singles my age residing in Australia with a bridging visa status? Any information in this matter would greatly be appreciated. Thank you

    • finder Customer Care
      ZubairFebruary 28, 2017Staff

      Hi Meena,

      Thank you for your question.

      You have contacted finder.com.au and not actually HCF Health Insurance, finder.com.au is a comparison and information service and don’t represent any insurance brand listed on our website.

      Through our health insurance for bridging visas comparison guide, you can compare the health funds in our panel who offer cover for bridging visa, HCF health fund is also one of the brands in our panel that offers cover for bridging visa.

      I hope this helps,

  2. Default Gravatar
    GillianFebruary 11, 2017

    Can I access HCF dental centres with Extras Only Cover?

    • finder Customer Care
      ZubairFebruary 13, 2017Staff

      Hi Gillan,

      Thanks for your question.

      That will depend on the type of extra cover you have with HCF.


  3. Default Gravatar
    January 11, 2017

    looking for good dental for a 25-year-old single male
    What is the limit? how long is waiting period?
    Finally, what is rebate for psychologist?

    • finder Customer Care
      RichardJanuary 12, 2017Staff

      Hi Maria,

      Thanks for getting in touch. There are various waiting periods depending on the level of dental cover you need and also whether or not you currently hold a policy that covers dental. Limits will also vary. You can review the various waiting periods and limits on our dental insurance article.

      You may also find our health insurance for psychology article helpful as it lists the limits and waiting periods.

      All the best,

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