Top 3 features
- Good for long-standing member benefits.
- Good for receiving 100% back on certain services with certain providers.
- Good for various budgets.
HCF Extras Only policies cover the parts of their hospital and extras policies, in one handy package. With the option of a no-obligation quote, you can easily compare prices based on your budget.
HCF provides five Extras Only cover options.
Read on for the specifics of each policy.
|Starter Extras (with optical)||All of the above plus;|
|Mid Extras||All of the above, plus;|
|Vital Extras||All of the above, plus;|
|Top Extras||All of the above, with highest annual limits|
HCF members receive a few attractive benefits.
HCF also reward long-standing members.
Each policy has an annual limits on certain services, as well as a maximum amount per claim. Make sure you check these details before signing up.
HCF extras covers also give you access to More for You programs. This means 100% back on selected extras like dental check-ups and an initial consult with a physio, chiro or osteo when you use HCF's network of over 10,000 participating More for You providers.
The list of general exclusions on your HCF PDS contains situations when your extras claim will not be paid. These include if:
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.
In order for claims to be approved you will need to provide:
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