Hospital + ExtrasOn sale
HCF My Family Advanced Silver Plus $500 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.
Government data date: 1 October 2026
Services covered (22)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $1,200 a yearShared with Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Major dental | 12 months |
| $1,200 a yearShared with General dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Root canal (endodontics) | 12 months |
| $1,200 a yearShared with General dental, Major dental, Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Orthodontics (braces) | 12 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Glasses and contact lenses | 2 months |
| $250 a year |
| Non-PBS prescription medicines | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Physiotherapy | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Chiropractic | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Podiatry | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Psychology | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Acupuncture | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Remedial massage | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Blood glucose monitors | 12 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Chinese herbal medicine | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Dietetics | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Exercise physiology | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Health management programs | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Occupational therapy | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Orthotics, Osteopathy, Speech therapy, Vaccinations |
| Orthotics | 12 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Osteopathy, Speech therapy, Vaccinations |
| Osteopathy | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Speech therapy, Vaccinations |
| Speech therapy | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Vaccinations |
| Vaccinations | 2 months |
| $1,200 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy |
Not covered: Orthoptics, Hearing aids, Audiology (hearing tests), Antenatal and postnatal care, Home nursing
Annual limits
Services in the same group share one limit.
General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations
$1,200 a year
Also includes other services not listed
Glasses and contact lenses
$250 a year
Insurer's notes (original English)
Other services
A comprehensive flexible extras package that covers a range of services particularly for growing families. In chair teeth whitening treatment provided by a dentist included, a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Orthodontic limit for other dentists is $350 annual limit and $1,050 lifetime limit. Health Management Programs include ante/post natal services such as child birth education classes, lactation consults, pregnancy compression garments & Australian Breastfeeding Assoc fees. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses).
Special features
Features a combined limit of $1,200 per person per calendar year. A higher psychology benefit ($100) may apply after Medicare Mental Health Treatment Plan is used up.
Frequently asked questions
How much does HCF My Family Advanced Silver Plus $500 Excess pay for a scale and clean?
According to government data, HCF My Family Advanced Silver Plus $500 Excess pays up to $65 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $1,200 a year.
What are the waiting periods for HCF My Family Advanced Silver Plus $500 Excess?
General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Blood glucose monitors 12 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Health management programs 2 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.
Can HCF My Family Advanced Silver Plus $500 Excess be bought on its own?
This product combines hospital and Extras in one policy, with Silver Plus hospital cover.
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