Healthcover 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.
This product is closed: it no longer accepts new members, but existing members can keep using it.
Services covered (24)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $450 a year |
| Major dental | 12 months |
| $750 a year |
| Root canal (endodontics) | 12 months |
| $550 a year |
| Orthodontics (braces) | 12 months |
| $400 a year |
| Glasses and contact lenses | 2 months |
| $210 a year |
| Non-PBS prescription medicines | 2 months |
| $700 a yearShared with Vaccinations |
| Physiotherapy | 2 months |
| $750 a yearShared with Dietetics, Orthoptics, Occupational therapy, Speech therapy |
| Chiropractic | 2 months |
| $350 a yearShared with Exercise physiology, Osteopathy |
| Podiatry | 2 months |
| $250 a year |
| Psychology | 2 months |
| $300 a year |
| Acupuncture | 2 months |
| $300 a yearShared with Remedial massage, Chinese herbal medicine |
| Remedial massage | 2 months |
| $300 a yearShared with Acupuncture, Chinese herbal medicine |
| Hearing aids | 12 months |
| $1,000 a yearShared with Blood glucose monitors |
| Blood glucose monitors | 12 months |
| $1,000 a yearShared with Hearing aids |
| Chinese herbal medicine | 2 months |
| $300 a yearShared with Acupuncture, Remedial massage |
| Dietetics | 2 months |
| $750 a yearShared with Physiotherapy, Orthoptics, Occupational therapy, Speech therapy |
| Exercise physiology | 2 months |
| $350 a yearShared with Chiropractic, Osteopathy |
| Orthoptics | 2 months |
| $750 a yearShared with Physiotherapy, Dietetics, Occupational therapy, Speech therapy |
| Health management programs | 2 months |
| $150 a year |
| Occupational therapy | 2 months |
| $750 a yearShared with Physiotherapy, Dietetics, Orthoptics, Speech therapy |
| Orthotics | 12 months |
| $120 a year |
| Osteopathy | 2 months |
| $350 a yearShared with Chiropractic, Exercise physiology |
| Speech therapy | 2 months |
| $750 a yearShared with Physiotherapy, Dietetics, Orthoptics, Occupational therapy |
| Vaccinations | 2 months |
| $700 a yearShared with Non-PBS prescription medicines |
Not covered: Audiology (hearing tests), Antenatal and postnatal care, Home nursing
Annual limits
Services in the same group share one limit.
General dental
$450 a year
Major dental
$750 a year
Also includes other services not listed
Root canal (endodontics)
$550 a year
Orthodontics (braces)
$400 a year, $2,200 lifetime
Glasses and contact lenses
$210 a year
Non-PBS prescription medicines, Vaccinations
$700 a year
Physiotherapy, Dietetics, Orthoptics, Occupational therapy, Speech therapy
$750 a year
Chiropractic, Exercise physiology, Osteopathy
$350 a year
Podiatry
$250 a year
Psychology
$300 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$300 a year
Hearing aids, Blood glucose monitors
$1,000 a year, 1 per 3 years
Also includes other services not listed
Health management programs
$150 a year
Orthotics
$120 a year
Insurer's notes (original English)
Product features
Healthcover Extras is a medium level of extras. Includes Health Management Programs to a limit of $150 per person/$300 per policy. Members holding Top Hospital Gold, Healthy First Silver Plus or Healthstart Hospital Silver Plus are entitiled to Health Dollars. Health Dollars can be used to reduce hospital excess or top up current extras benefits. A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
Other services
Preventative & Diagnostic dental have service limits which are not included in the anual limit. Orthodontic accrues annually up to a lifetime limit of $2,200 for Orthodontist ($1,800 for General Dentist). Dentures - $700 limit renews every 3 years from the date of service. Crowns & bridges receive an increased annual limit of $1,000 after 5 years membership. Endodontic limit ($550) includes In chair teeth whitening treatment provided by a dentist, surgical extractions and periodontic services. A service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses) included. A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year. Hearing aid limit renews every 3 years from the date of service. $185 annual limit for orthopeadic shoes with a $150 sub-limit on foot orthotics (foot orthotics limited to 1 pair per person per year).
Special features
100% back on 2 dental check-ups, prescription glasses and free digital retinal imaging with an eye test, an initial physio, chiro, osteo, podiatry consult as well as 100% back or reduced cost on high quality hearing aids through our partnership with Connect Hearing. Available at participating providers and subject to annual limits.
Frequently asked questions
How much does Healthcover Extras pay for a scale and clean?
What are the waiting periods for Healthcover Extras?
Can Healthcover Extras be bought on its own?
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