Healthmate Ultimate Gold
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.
This product is closed: it no longer accepts new members, but existing members can keep using it.
Services covered (20)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $400 a year |
| Major dental | 12 months |
| $700 a year |
| Root canal (endodontics) | 12 months |
| $400 a year |
| Orthodontics (braces) | 12 months |
| $400 a year |
| Glasses and contact lenses | 2 months |
| $200 a year |
| Non-PBS prescription medicines | 2 months |
| $600 a year |
| Physiotherapy | 2 months |
| $700 a yearShared with Dietetics, Occupational therapy, Speech therapy |
| Chiropractic | 2 months |
| $350 a yearShared with Exercise physiology, Osteopathy |
| Podiatry | 2 months |
| $200 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 |
| Chinese herbal medicine | 2 months |
| $300 a yearShared with Acupuncture, Remedial massage |
| Dietetics | 2 months |
| $700 a yearShared with Physiotherapy, Occupational therapy, Speech therapy |
| Exercise physiology | 2 months |
| $350 a yearShared with Chiropractic, Osteopathy |
| Health management programs | 2 months |
| $150 a year |
| Occupational therapy | 2 months |
| $700 a yearShared with Physiotherapy, Dietetics, Speech therapy |
| Orthotics | 12 months |
| $120 a year |
| Osteopathy | 2 months |
| $350 a yearShared with Chiropractic, Exercise physiology |
| Speech therapy | 2 months |
| $700 a yearShared with Physiotherapy, Dietetics, Occupational therapy |
Not covered: Orthoptics, Hearing aids, Audiology (hearing tests), Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Home nursing
Annual limits
Services in the same group share one limit.
General dental
$400 a year
Major dental
$700 a year
Root canal (endodontics)
$400 a year
Orthodontics (braces)
$400 a year, $1,800 lifetime
Glasses and contact lenses
$200 a year
Non-PBS prescription medicines
$600 a year
Physiotherapy, Dietetics, Occupational therapy, Speech therapy
$700 a year
Also includes other services not listed
Chiropractic, Exercise physiology, Osteopathy
$350 a year
Also includes other services not listed
Podiatry
$200 a year
Psychology
$300 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$300 a year
Health management programs
$150 a year
Orthotics
$120 a year
Insurer's notes (original English)
Product features
Range of no-gap services delivered through participating dentists, chiropractors, osteopaths, physiotherapists, podiatrists and optical providers in selected states, depending on level of cover. Includes Health Management Programs to a limit of $150 per person / $300 per family policy. Health Dollars Loyalty Rewards accrue for 4 years up to a max of $150 per person /$300 per family policy, per year. Health Dollars can be used to reduce hospital excess or top up current extras benefits. A higher psychology benefit ($45) 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 annual limit. Basic fillings, extractions and Occlusal therapy have a combined limit of $400. Endodontic, periodontic & oral surgery have a combined limit of $400. Crowns and bridges have a combined limit of $700. Orthodontic accrues at $400 per calendar year, up to lifetime limit of $1,800 for Orthodontist ($1,500 for General Dentist). Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses).
Special features
A higher psychology benefit ($45) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year. Sub-limits may apply. See fund rules for more information.
Frequently asked questions
How much does Healthmate Ultimate Gold pay for a scale and clean?
What are the waiting periods for Healthmate Ultimate Gold?
Can Healthmate Ultimate Gold be bought on its own?
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