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私保通 Private Care+
Extras-onlyClosed

Premier 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

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (24)

ServiceWaiting periodMax benefit per visitAnnual limit
General dental2 months
  • Periodic exam (012): $37
  • Scale and clean (114): $81
  • Fluoride (121): $28
$500 a year
Major dental12 months
  • Extraction (322): $210
  • Full crown, veneered (615): $900
$1,000 a year
Root canal (endodontics)12 months
  • Root canal obturation (417): $179
$600 a year
Orthodontics (braces)12 months
  • Upper and lower braces plus retainer (881): $600
$600 a year
Glasses and contact lenses2 months
  • Single vision lenses and frames: 100% of the fee
  • Multifocal lenses and frames: 100% of the fee
$250 a year
Non-PBS prescription medicines2 months
  • Per prescription: $50
$700 a yearShared with Vaccinations
Physiotherapy2 months
  • Initial visit: $62
  • Subsequent visit: $55
$800 a yearShared with Dietetics, Orthoptics, Occupational therapy, Speech therapy
Chiropractic2 months
  • Initial visit: $45
  • Subsequent visit: $37
$350 a yearShared with Exercise physiology, Osteopathy
Podiatry2 months
  • Initial visit: $45
  • Subsequent visit: $38
$300 a year
Psychology2 months
  • Initial visit: $46
  • Subsequent visit: $46
$600 a year
Acupuncture2 months
  • Initial visit: $45
  • Subsequent visit: $35
$350 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage2 months
  • Initial visit: $45
  • Subsequent visit: $35
$350 a yearShared with Acupuncture, Chinese herbal medicine
Hearing aids12 months
  • Per hearing aid: $1,000
$1,500 a yearShared with Blood glucose monitors
Blood glucose monitors12 months
  • Blood glucose monitor: $150
$1,500 a yearShared with Hearing aids
Chinese herbal medicine2 months
  • Initial visit: $45
  • Subsequent visit: $35
$350 a yearShared with Acupuncture, Remedial massage
Dietetics2 months
  • Initial visit: $55
  • Subsequent visit: $55
$800 a yearShared with Physiotherapy, Orthoptics, Occupational therapy, Speech therapy
Exercise physiology2 months
  • Initial visit: $40
  • Subsequent visit: $40
$350 a yearShared with Chiropractic, Osteopathy
Orthoptics2 months
  • Initial visit: $45
  • Subsequent visit: $38
$800 a yearShared with Physiotherapy, Dietetics, Occupational therapy, Speech therapy
Health management programs2 months
  • Health management program: $200
$200 a year
Occupational therapy2 months
  • Initial visit: $72
  • Subsequent visit: $72
$800 a yearShared with Physiotherapy, Dietetics, Orthoptics, Speech therapy
Orthotics12 months
  • Per pair of orthotics: $150
$150 a year
Osteopathy2 months
  • Initial visit: $57
  • Subsequent visit: $47
$350 a yearShared with Chiropractic, Exercise physiology
Speech therapy2 months
  • Initial visit: $83
  • Subsequent visit: $83
$800 a yearShared with Physiotherapy, Dietetics, Orthoptics, Occupational therapy
Vaccinations2 months
  • Per vaccination: $50
$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

    $500 a year

  • Major dental

    $1,000 a year

  • Root canal (endodontics)

    $600 a year

    Also includes other services not listed

  • Orthodontics (braces)

    $600 a year, $2,800 lifetime

  • Glasses and contact lenses

    $250 a year

  • Non-PBS prescription medicines, Vaccinations

    $700 a year

    Also includes other services not listed

  • Physiotherapy, Dietetics, Orthoptics, Occupational therapy, Speech therapy

    $800 a year

  • Chiropractic, Exercise physiology, Osteopathy

    $350 a year

  • Podiatry

    $300 a year

  • Psychology

    $600 a year

  • Acupuncture, Remedial massage, Chinese herbal medicine

    $350 a year

    Also includes other services not listed

  • Hearing aids, Blood glucose monitors

    $1,500 a year, 1 per 3 years

    Also includes other services not listed

  • Health management programs

    $200 a year

  • Orthotics

    $150 a year

    Also includes other services not listed

Insurer's notes (original English)

Product features

Health Dollars Loyalty Rewards accrue for 4 years up to a max $200/person/$400/policy/year. These can be used to reduce hospital excess or top up current extras benefits. A higher psychology benefit ($80) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.

Other services

Dental check-ups with service limits not in annual limits. A combined limit of $600 includes Endodontic, periodontic, oral surgery & In chair teeth whitening treatment provided by a dentist, a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months. Crowns & Bridges, $1000. Dentures limit of $900 renews every 3 yrs. Orthodontic lifetime limit of $2,200 for other dentist. $240 annual limit for orthopaedic shoes with $150 sub-limit on foot orthotics (foot orthotics limited to 1 pair/person/year). Benefits for HCF-approved artificial aids & hearing aids are included when taken with Top Hospital Gold. Hearing aids limit renews every 3 yrs. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses).

Special features

100% back on a range of no-gap services through HCF More for You programs, at participating providers and subject to annual limits. A higher psychology benefit ($80) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.

Frequently asked questions

How much does Premier Extras pay for a scale and clean?
According to government data, Premier Extras pays up to $81 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $500 a year.
What are the waiting periods for Premier 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, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 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 Premier Extras be bought on its own?
No. You need to hold any hospital cover from HCF at the same time.

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