General Extras
A Extras-only 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 (17)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $400 a year |
| Major dental | 12 months |
| $300 a yearShared with Root canal (endodontics) |
| Root canal (endodontics) | 12 months |
| $300 a yearShared with Major dental |
| Orthodontics (braces) | 12 months |
| $250 a year |
| Glasses and contact lenses | 2 months |
| $180 a year |
| Non-PBS prescription medicines | 2 months |
| $500 a yearShared with Vaccinations |
| Physiotherapy | 2 months |
| $500 a yearShared with Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy |
| Chiropractic | 2 months |
| $500 a yearShared with Physiotherapy, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy |
| Acupuncture | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Remedial massage, Chinese herbal medicine, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy |
| Remedial massage | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Chinese herbal medicine, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy |
| Chinese herbal medicine | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy |
| Exercise physiology | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Orthoptics, Occupational therapy, Osteopathy, Speech therapy |
| Orthoptics | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Occupational therapy, Osteopathy, Speech therapy |
| Occupational therapy | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Orthoptics, Osteopathy, Speech therapy |
| Osteopathy | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Orthoptics, Occupational therapy, Speech therapy |
| Speech therapy | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy |
| Vaccinations | 2 months |
| $500 a yearShared with Non-PBS prescription medicines |
Not covered: Hearing aids, Audiology (hearing tests), Podiatry, Orthotics, Psychology, Dietetics, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing
Annual limits
Services in the same group share one limit.
General dental
$400 a year
Major dental, Root canal (endodontics)
$300 a year
Orthodontics (braces)
$250 a year, $1,500 lifetime
Glasses and contact lenses
$180 a year
Non-PBS prescription medicines, Vaccinations
$500 a year
Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
$500 a year
Insurer's notes (original English)
Product features
Includes school accident benefit of up to $400 annual limit to help pay for out-of-pocket expenses for extras in your cover (per eligible child).
Other services
General dental $400 limit is for direct fillings. Cover also includes dental check ups with service limits, that are not part of the general dental annual limit. Occlusal therapy, periodontics, crowns, bridges, implants and dentures are not covered. Orthodontic accrues at $250 per calendar year, up to lifetime limit of $1,500 for Orthodontists ($1,000 lifetime limit for General Dentist). HCF-approved Online Cognitive Behavioural Therapy courses are included with a separate annual limit per person/ per policy. Sub-limit of $250 each for chiro, osteo and exercise physiology. Combined sub-limit of $200 for speech and occupational therapy. Combined sub-limit of $100 for accupuncture, Chinese herbal medicine, remedial massage and myotherapy. Lower benefits for physio, chiro and osteo after the 11th visit.
Special features
Includes 100% back on 2 dental check-ups, prescription glasses and free digital retinal imaging with an eye test, and 100% back on an initial physio, chiro and osteo consult, at participating providers and subject to annual limits.
Frequently asked questions
How much does General Extras pay for a scale and clean?
What are the waiting periods for General Extras?
Can General Extras be bought on its own?
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