Multicover Only
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 (25)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $550 a year |
| Major dental | 12 months |
| $2,220 a yearShared with Root canal (endodontics) |
| Root canal (endodontics) | 12 months |
| $2,220 a yearShared with Major dental |
| Orthodontics (braces) | 12 months |
| $440 a year |
| Glasses and contact lenses | 2 months |
| $220 a year |
| Non-PBS prescription medicines | 2 months |
| $600 a yearShared with Vaccinations |
| Physiotherapy | 2 months |
| $600 a yearShared with Orthoptics |
| Chiropractic | 2 months |
| $500 a yearShared with Exercise physiology, Osteopathy |
| Podiatry | 2 months |
| $200 a year |
| Psychology | 2 months |
| $300 a year |
| Acupuncture | 2 months |
| $200 a yearShared with Chinese herbal medicine |
| Remedial massage | 2 months |
| $200 a year |
| Hearing aids | 12 months |
| $600 a year |
| Blood glucose monitors | 12 months |
| $500 a year |
| Audiology (hearing tests) | 2 months |
| $500 a yearShared with Speech therapy |
| Chinese herbal medicine | 2 months |
| $200 a yearShared with Acupuncture |
| Dietetics | 2 months |
| $300 a year |
| Exercise physiology | 2 months |
| $500 a yearShared with Chiropractic, Osteopathy |
| Orthoptics | 2 months |
| $600 a yearShared with Physiotherapy |
| Health management programs | 2 months |
| $150 a year |
| Occupational therapy | 2 months |
| $500 a year |
| Orthotics | 12 months |
| $200 a year |
| Osteopathy | 2 months |
| $500 a yearShared with Chiropractic, Exercise physiology |
| Speech therapy | 2 months |
| $500 a yearShared with Audiology (hearing tests) |
| Vaccinations | 2 months |
| $600 a yearShared with Non-PBS prescription medicines |
Not covered: Antenatal and postnatal care, Home nursing
Annual limits
Services in the same group share one limit.
General dental
$550 a year, 2 per year
Major dental, Root canal (endodontics)
$2,220 a year
Also includes other services not listed
Orthodontics (braces)
$440 a year, $2,640 lifetime
Glasses and contact lenses
$220 a year
Non-PBS prescription medicines, Vaccinations
$600 a year
Physiotherapy, Orthoptics
$600 a year
Chiropractic, Exercise physiology, Osteopathy
$500 a year
Podiatry
$200 a year
Psychology
$300 a year
Acupuncture, Chinese herbal medicine
$200 a year
Remedial massage
$200 a year
Hearing aids
$600 a year, 1 per 3 years
Blood glucose monitors
$500 a year, 1 per 3 years
Also includes other services not listed
Audiology (hearing tests), Speech therapy
$500 a year
Dietetics
$300 a year
Health management programs
$150 a year
Occupational therapy
$500 a year
Orthotics
$200 a year
Insurer's notes (original English)
Other services
Preventative and diagnostic dental is not included in general dental annual limit. Service limits apply. General dental limit of $550 is for direct filings. Endodontic, periodontics, oral surgery & occlusal treatment - combined limit of $500. Crowns & Bridges - $800 annual limit. Dentures - $800 every 3 yrs. Orthodontic lifetime limit for other dentists is a max of $1,000. Increasing loyalty limits apply for some services. Mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses) included.
Special features
You can get 100% back at extras providers in our No-Gap network, depending on your cover and annual limits. Includes: 2 dental check-ups a year, a pair of prescription glasses from a selected range and you’ll also get free digital retinal imaging with your eye test, a first visit to a physio, chiro, osteo and podiatrist. A higher psychology benefit ($75) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
Frequently asked questions
How much does Multicover Only pay for a scale and clean?
What are the waiting periods for Multicover Only?
Can Multicover Only be bought on its own?
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