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HCF Top 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 (24)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $38 Scale and clean (114): $76 Fluoride (121): $29	No annual limit
Major dental	12 months	Extraction (322): $210 Full crown, veneered (615): $1,000	$1,000 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $191	$1,000 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $800	$800 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$275 a year
Non-PBS prescription medicines	2 months	Per prescription: $50	$280 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: $60 Subsequent visit: $54	$600 a yearShared with Exercise physiology
Chiropractic	2 months	Initial visit: $45 Subsequent visit: $38	$300 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: $40 Subsequent visit: $40	$250 a yearShared with Audiology (hearing tests), Dietetics, Orthotics, Speech therapy
Psychology	2 months	Initial visit: $80 Subsequent visit: $80	$600 a yearShared with Occupational therapy
Acupuncture	2 months	Initial visit: $40 Subsequent visit: $40	$300 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage	2 months	Initial visit: $40 Subsequent visit: $40	$300 a yearShared with Acupuncture, Chinese herbal medicine
Hearing aids	12 months	Per hearing aid: $800	$800 a year
Blood glucose monitors	12 months	Blood glucose monitor: $55	$55 a year
Audiology (hearing tests)	2 months	Initial visit: $70 Subsequent visit: $70	$250 a yearShared with Podiatry, Dietetics, Orthotics, Speech therapy
Chinese herbal medicine	2 months	Initial visit: $40 Subsequent visit: $40	$300 a yearShared with Acupuncture, Remedial massage
Dietetics	2 months	Initial visit: $55 Subsequent visit: $55	$250 a yearShared with Podiatry, Audiology (hearing tests), Orthotics, Speech therapy
Exercise physiology	2 months	Initial visit: $40 Subsequent visit: $40	$600 a yearShared with Physiotherapy
Health management programs	2 months	Health management program: $200	$200 a year
Occupational therapy	2 months	Initial visit: $72 Subsequent visit: $72	$600 a yearShared with Psychology
Orthotics	12 months	Per pair of orthotics: $130	$250 a yearShared with Podiatry, Audiology (hearing tests), Dietetics, Speech therapy
Osteopathy	2 months	Initial visit: $50 Subsequent visit: $43	$300 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: $83 Subsequent visit: $83	$250 a yearShared with Podiatry, Audiology (hearing tests), Dietetics, Orthotics
Vaccinations	2 months	Per vaccination: $50	$280 a yearShared with Non-PBS prescription medicines

Not covered: Orthoptics, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental
No annual limit
Major dental, Root canal (endodontics)
$1,000 a year
Also includes other services not listed
Orthodontics (braces)
$800 a year, $2,400 lifetime
Glasses and contact lenses
$275 a year
Non-PBS prescription medicines, Vaccinations
$280 a year
Physiotherapy, Exercise physiology
$600 a year
Chiropractic, Osteopathy
$300 a year
Podiatry, Audiology (hearing tests), Dietetics, Orthotics, Speech therapy
$250 a year
Psychology, Occupational therapy
$600 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$300 a year
Also includes other services not listed
Hearing aids
$800 a year, 1 per 3 years
Blood glucose monitors
$55 a year
Also includes other services not listed
Health management programs
$200 a year

Insurer's notes (original English)

Product features

Many services have increasing limits with tenure, up to a maximum amount. See the HCF product summary for more information.

Other services

Preventative and Diagnostic dental with service limits not in annual limits. In chair treatment teeth whitening provided by a dentist, service limits apply - in-chair treatment – max 8 teeth/session; applies every 36 months. Orthodontic limit for other dentists is $400 annual limit and a $1,200 lifetime limit. Increasing limits for some services, up to a maximum amount. Foot orthotics annual limit is capped at Year 1. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses). Travel & accommodation benefit $250/policy/year and school accident benefit $200/eligible person. Health management programs include HCF approved programs (e.g. exercise classes, group physio & group exercise physiology classes, weight management and learn to swim).

Special features

100% back on a range of no-gap services through HCF More for You programs, at HCF No Gap network providers and subject to annual limits. A higher psychology benefit ($120) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.

Frequently asked questions

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

According to government data, HCF Top Extras pays up to $76 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.

What are the waiting periods for HCF Top Extras?

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, Hearing aids 12 months, Blood glucose monitors 12 months, Audiology (hearing tests) 2 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 Top Extras be bought on its own?

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

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