HCF Starter Extras (with Optical)
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.
Services covered (8)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $400 a year |
| Glasses and contact lenses | 2 months |
| $100 a year |
| Physiotherapy | 2 months |
| $200 a year |
| Chiropractic | 2 months |
| $100 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine, Osteopathy |
| Acupuncture | 2 months |
| $100 a yearShared with Chiropractic, Remedial massage, Chinese herbal medicine, Osteopathy |
| Remedial massage | 2 months |
| $100 a yearShared with Chiropractic, Acupuncture, Chinese herbal medicine, Osteopathy |
| Chinese herbal medicine | 2 months |
| $100 a yearShared with Chiropractic, Acupuncture, Remedial massage, Osteopathy |
| Osteopathy | 2 months |
| $100 a yearShared with Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine |
Not covered: Major dental, Root canal (endodontics), Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Exercise physiology, Podiatry, Orthotics, Psychology, Dietetics, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Vaccinations, 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
Also includes other services not listed
Glasses and contact lenses
$100 a year
Physiotherapy
$200 a year
Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Osteopathy
$100 a year
Also includes other services not listed
Insurer's notes (original English)
Product features
A basic extras cover that includes the essentials like general dental, optical and selected therapies.
Other services
HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy. Other services include simple extractions, direct fillings (1-2 surfaces) and In chair teeth whitening treatment provided by a dentist with a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months, under the combined general dental limit. Myotherapy service under the combined physiotherapy, chiropractic, osteopathy and natural therapy limit.
Special features
General dental includes 100% back on 1 check-up at participating providers and subject to annual limit.
Frequently asked questions
How much does HCF Starter Extras (with Optical) pay for a scale and clean?
What are the waiting periods for HCF Starter Extras (with Optical)?
Can HCF Starter Extras (with Optical) be bought on its own?
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