Fit & Free Silver Plus Nil Excess
A Hospital + Extras product from HCF. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.
This product is closed: it no longer accepts new members, but existing members can keep using it.
Services covered (20)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $550 a year |
| Major dental | 12 months |
| $1,300 a yearShared with Root canal (endodontics) |
| Root canal (endodontics) | 12 months |
| $1,300 a yearShared with Major dental |
| Glasses and contact lenses | 2 months |
| $250 a year |
| Non-PBS prescription medicines | 2 months |
| $500 a year |
| Physiotherapy | 2 months |
| $600 a yearShared with Chiropractic, Exercise physiology, Occupational therapy, Osteopathy |
| Chiropractic | 2 months |
| $600 a yearShared with Physiotherapy, Exercise physiology, Occupational therapy, Osteopathy |
| Podiatry | 2 months |
| $300 a year |
| Psychology | 2 months |
| $300 a year |
| Acupuncture | 2 months |
| $300 a yearShared with Remedial massage, Chinese herbal medicine |
| Remedial massage | 2 months |
| $300 a yearShared with Acupuncture, Chinese herbal medicine |
| Audiology (hearing tests) | 2 months |
| $300 a yearShared with Dietetics, Orthotics, Speech therapy |
| Chinese herbal medicine | 2 months |
| $300 a yearShared with Acupuncture, Remedial massage |
| Dietetics | 2 months |
| $300 a yearShared with Audiology (hearing tests), Orthotics, Speech therapy |
| Exercise physiology | 2 months |
| $600 a yearShared with Physiotherapy, Chiropractic, Occupational therapy, Osteopathy |
| Health management programs | 2 months |
| $200 a year |
| Occupational therapy | 2 months |
| $600 a yearShared with Physiotherapy, Chiropractic, Exercise physiology, Osteopathy |
| Orthotics | 12 months |
| $300 a yearShared with Audiology (hearing tests), Dietetics, Speech therapy |
| Osteopathy | 2 months |
| $600 a yearShared with Physiotherapy, Chiropractic, Exercise physiology, Occupational therapy |
| Speech therapy | 2 months |
| $300 a yearShared with Audiology (hearing tests), Dietetics, Orthotics |
Not covered: Orthodontics (braces), Orthoptics, Hearing aids, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Home nursing
Annual limits
Services in the same group share one limit.
General dental
$550 a year
Major dental, Root canal (endodontics)
$1,300 a year
Also includes other services not listed
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$500 a year
Physiotherapy, Chiropractic, Exercise physiology, Occupational therapy, Osteopathy
$600 a year
Also includes other services not listed
Podiatry
$300 a year
Also includes other services not listed
Psychology
$300 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$300 a year
Also includes other services not listed
Audiology (hearing tests), Dietetics, Orthotics, Speech therapy
$300 a year
Health management programs
$200 a year
Insurer's notes (original English)
Product features
A $200 sublimit for foot orthotics included within Podiatry (12 month waiting period apply for orthotics). Claim psychology after Medicare entitlements exhausted. A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up.
Other services
Major dental includes surgical extraction, occlusal therapy, periodontics, endodontics and crown & bridges services only. Therapies include mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses), physiotherapy, exercise physiology, chiropractic, osteopathy, occupational therapy, dietetics, podiatry, audiology, speech pathology, remedial massage, myotherapy, acupuncture and chinese herbal medicine services only.
Special features
General dental includes dental check-ups which have service limits not included in annual limit. Endodontic, periodontic, oral surgery & occlusal treatment have a combined limit of $500. Crowns & bridges have a limit of $800. Dentures and orthodontics are not covered. A $200 sublimit for foot orthotics included within Podiatry. (12 month waiting period apply for orthotics). A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
Frequently asked questions
How much does Fit & Free Silver Plus Nil Excess pay for a scale and clean?
What are the waiting periods for Fit & Free Silver Plus Nil Excess?
Can Fit & Free Silver Plus Nil Excess be bought on its own?
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