Extras-onlyOn sale

HCF Flex 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 (9)

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 Extraction (322): 60% of the fee	$650 a yearShared with Physiotherapy, Acupuncture, Chinese herbal medicine, Dietetics, Exercise physiology, Vaccinations
Glasses and contact lenses	2 months	Single vision lenses and frames: 60% of the fee Multifocal lenses and frames: 60% of the fee	$175 a year
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$650 a yearShared with General dental, Acupuncture, Chinese herbal medicine, Dietetics, Exercise physiology, Vaccinations
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$650 a yearShared with General dental, Physiotherapy, Chinese herbal medicine, Dietetics, Exercise physiology, Vaccinations
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$100 a year
Chinese herbal medicine	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$650 a yearShared with General dental, Physiotherapy, Acupuncture, Dietetics, Exercise physiology, Vaccinations
Dietetics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$650 a yearShared with General dental, Physiotherapy, Acupuncture, Chinese herbal medicine, Exercise physiology, Vaccinations
Exercise physiology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$650 a yearShared with General dental, Physiotherapy, Acupuncture, Chinese herbal medicine, Dietetics, Vaccinations
Vaccinations	2 months	Per vaccination: 60% of the fee	$650 a yearShared with General dental, Physiotherapy, Acupuncture, Chinese herbal medicine, Dietetics, Exercise physiology

Not covered: Major dental, Root canal (endodontics), Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Chiropractic, Osteopathy, Podiatry, Orthotics, Psychology, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Physiotherapy, Acupuncture, Chinese herbal medicine, Dietetics, Exercise physiology, Vaccinations
$650 a year
Also includes other services not listed
Glasses and contact lenses
$175 a year
Remedial massage
$100 a year

Insurer's notes (original English)

Product features

Features a combined limit of $650, with a separate optical limit of $175 and a separate remedial massage and myotherapy limit of $100, both per person per calendar year. Includes a range of no-gap services delivered through participating dental providers in selected states, depending on level of cover.

Other services

Features a combined limit, with a separate optical, remedial massage and myotherapy limit. Offers digital mental health service, HCF-approved Online Cognitive Behavioural Therapy courses and teeth whitening (2 and 12 months wait period).

Special features

Features a combined limit of $650 per person per calendar year. General dental includes 100% back on 1 check-up, 1 scale and clean and 1 fluoride at participating No Gap providers and subject to annual limit. Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit HCF pay on services included in your Flex My Extras cover.

Frequently asked questions

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

According to government data, HCF Flex 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: $650 a year.

What are the waiting periods for HCF Flex My Extras?

General dental 2 months, Glasses and contact lenses 2 months, Physiotherapy 2 months, Acupuncture 2 months, Remedial massage 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Vaccinations 2 months.

Can HCF Flex My Extras be bought on its own?

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

Already have Extras? Make the most of your limits

Tell us your insurer and product name. We'll help you see what you can claim and find providers who speak your language and offer on-the-spot HICAPS claims.

Free matching