HCF Extras products
13 products on sale registered by HCF in the government data (7 Extras-only, 6 Hospital + Extras), plus 49 closed products.
Government data date: 1 October 2026
Common waiting periods in HCF products on sale
- General dental
- 2 months
- Major dental
- 12 months
- Glasses and contact lenses
- 2 months
- Physiotherapy
- 2 months
- Psychology
- 2 months
- Acupuncture
- 2 months
Extras only (7)
Products that cover Extras (general treatment) only.
| Product | Services | Buying |
|---|---|---|
| HCF Choose My Extras | 20 services | Can be bought on its own |
| HCF Flex My Extras | 9 services | Can be bought on its own |
| HCF Mid Extras | 13 services | Can be bought on its own |
| HCF Starter Extras | 7 services | Can be bought on its own |
| HCF Starter Extras (with Optical) | 8 services | Can be bought on its own |
| HCF Top Extras | 24 services | Can be bought on its own |
| HCF Vital Extras | 24 services | Can be bought on its own |
Hospital + Extras (6)
Hospital and Extras in one product, grouped by hospital tier.
Silver Plus hospital
| Product | Services | Buying |
|---|---|---|
| HCF My Family Advanced Silver Plus $500 Excess | 22 services | Can be bought on its own |
| HCF My Family Advanced Silver Plus $750 Excess | 22 services | Can be bought on its own |
| HCF My Family Silver Plus $750 Excess | 16 services | Can be bought on its own |
Basic Plus hospital
| Product | Services | Buying |
|---|---|---|
| HCF My Future 250 Basic Plus | 13 services | Can be bought on its own |
| HCF My Future 500 Basic Plus | 13 services | Can be bought on its own |
| HCF My Future 750 Basic Plus | 12 services | Can be bought on its own |
Closed products (49)
No longer open to new members; existing members can keep using them. Choose a product to see its cover.
- Fit & Free Silver Plus $250 Excess
- Fit & Free Silver Plus Nil Excess
- General Extras
- General Extras Only
- HCF My Family Advanced Silver Plus $250 Excess
- HCF My Family Silver Plus $250 Excess
- HCF My Family Silver Plus $500 Excess
- HealthClub Silver Plus
- Healthcover Extras
- Healthcover Extras Only
- Healthmate Advanced Silver Plus
- Healthmate Essentials Silver Plus
- Healthmate Starter Silver Plus
- Healthmate Ultimate Gold
- Hospital Advanced Savings Silver Plus & Extra Benefits
- Hospital Advanced Savings Silver Plus & General Extras
- Hospital Advanced Savings Silver Plus & Multicover
- Hospital Advanced Savings Silver Plus & Super Multicover
- Multicover
- Multicover Only
- Premier Extras
- Smart Extras
- Super Multicover
- Super Multicover Only
- Top Advanced Hospital Gold $250 Excess & Extra Benefits
- Top Advanced Hospital Gold $250 Excess & General Extras
- Top Advanced Hospital Gold $250 Excess & Multicover
- Top Advanced Hospital Gold $250 Excess & Super Multicover
- Top Advanced Hospital Gold $450 Excess & Extra Benefits
- Top Advanced Hospital Gold $450 Excess & General Extras
- Top Advanced Hospital Gold $450 Excess & Multicover
- Top Advanced Hospital Gold $450 Excess & Super Multicover
- Top Advanced Hospital Gold $500 Excess & Extra Benefits
- Top Advanced Hospital Gold $500 Excess & General Extras
- Top Advanced Hospital Gold $500 Excess & Multicover
- Top Advanced Hospital Gold $500 Excess & Super Multicover
- Top Advanced Hospital Gold $750 Excess & Extra Benefits
- Top Advanced Hospital Gold $750 Excess & General Extras
- Top Advanced Hospital Gold $750 Excess & Multicover
- Top Advanced Hospital Gold $750 Excess & Super Multicover
- Top Advanced Hospital Gold Nil Excess & Extra Benefits
- Top Advanced Hospital Gold Nil Excess & General Extras
- Top Advanced Hospital Gold Nil Excess & Multicover
- Top Advanced Hospital Gold Nil Excess & Super Multicover
- Top Advanced Shared Hospital Gold & Extra Benefits
- Top Advanced Shared Hospital Gold & General Extras
- Top Advanced Shared Hospital Gold & Multicover
- Top Advanced Shared Hospital Gold & Super Multicover
- Young Singles & Couples Basic Plus
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Frequently asked questions
How many Extras products does HCF have?
Government data dated 1 October 2026 lists 13 HCF products on sale that include Extras (7 Extras-only, 6 Hospital + Extras), plus 49 closed products.
How long is the HCF dental waiting period?
Among HCF products on sale, the most common waiting period is 2 months for general dental and 12 months for major dental. Each product sets its own.
Can I buy HCF Extras on its own?
Of the 7 HCF Extras-only products on sale, 7 can be bought on their own; the rest must be held with hospital cover.