Extras-onlyOn sale

HCF Choose My 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.

Government data date: 1 October 2026

Services covered (20)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 60% of the fee Scale and clean (114): 60% of the fee Fluoride (121): 60% of the fee	$350 a year
Major dental	12 months	Extraction (322): 60% of the fee Full crown, veneered (615): 60% of the fee	$500 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 60% of the fee	$500 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 60% of the fee	$450 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: 60% of the fee Multifocal lenses and frames: 60% of the fee	$225 a year
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Exercise physiology
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a year
Psychology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a year
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a yearShared with Acupuncture, Chinese herbal medicine
Antenatal and postnatal care	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$125 a yearShared with Health management programs
Chinese herbal medicine	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a yearShared with Acupuncture, Remedial massage
Dietetics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a year
Exercise physiology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Physiotherapy
Health management programs	2 months	Health management program: 60% of the fee	$125 a yearShared with Antenatal and postnatal care
Occupational therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Speech therapy
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Occupational therapy
Vaccinations	2 months	Per vaccination: 60% of the fee	$180 a year

Not covered: Orthoptics, Hearing aids, Audiology (hearing tests), Orthotics, Non-PBS prescription medicines, Blood glucose monitors, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$350 a year
Major dental, Root canal (endodontics)
$500 a year
Orthodontics (braces)
$450 a year, $1,950 lifetime
Glasses and contact lenses
$225 a year
Physiotherapy, Exercise physiology
$350 a year
Chiropractic, Osteopathy
$200 a year
Podiatry
$200 a year
Also includes other services not listed
Psychology
$300 a year
Also includes other services not listed
Acupuncture, Remedial massage, Chinese herbal medicine
$200 a year
Antenatal and postnatal care, Health management programs
$125 a year
Also includes other services not listed
Dietetics
$200 a year
Occupational therapy, Speech therapy
$300 a year
Vaccinations
$180 a year

Insurer's notes (original English)

Other services

Loyalty annual limits apply to selected services. Annual limits displayed are at Year 1 limits. Members have the flexibility to swap service selections as needed, within the calendar year, as long as a claim has not been made on that service. Waiting periods and fund rules apply.

Special features

Choose any 4 services marked with an asterisk* in the list below: Major Dental & Endodontic count as 1 selection, Chiropractic & Osteopathy count as 1 selection, Physio & Exercise Physiology count as 1 selection, Mental Health Services includes Psychology, OCBT, Social Worker, & Counselling and counts as 1 selection, Natural Therapies includes Remedial Massage, Myotherapy, Chinese Herbal Medicine & Acupuncture and counts as 1 selection, Ante-natal & Post-natal consultations are included in Health Management Programs. General dental includes 100% back on 1 check-up, 1 scale and clean and 1 fluoride at participating No Gap providers, subject to annual limit

Frequently asked questions

How much does HCF Choose My Extras pay for a scale and clean?

According to government data, HCF Choose My Extras pays 60% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $350 a year.

What are the waiting periods for HCF Choose My Extras?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Health management programs 2 months, Occupational therapy 2 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can HCF Choose My Extras be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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