Smart 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 (21)
| 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 yearShared with Vaccinations |
| Physiotherapy | 2 months |
| $700 a yearShared with Dietetics, Orthoptics, Occupational therapy, Speech therapy |
| Chiropractic | 2 months |
| $350 a yearShared with Exercise physiology, Osteopathy |
| Podiatry | 2 months |
| $200 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, Orthoptics, Occupational therapy, Speech therapy |
| Exercise physiology | 2 months |
| $350 a yearShared with Chiropractic, Osteopathy |
| Orthoptics | 2 months |
| $700 a yearShared with Physiotherapy, Dietetics, Occupational therapy, Speech therapy |
| Health management programs | 2 months |
| $150 a year |
| Occupational therapy | 2 months |
| $700 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 |
| $700 a yearShared with Physiotherapy, Dietetics, Orthoptics, Occupational therapy |
| Vaccinations | 2 months |
| $600 a yearShared with Non-PBS prescription medicines |
Not covered: Hearing aids, Audiology (hearing tests), Psychology, 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, Vaccinations
$600 a year
Physiotherapy, Dietetics, Orthoptics, Occupational therapy, Speech therapy
$700 a year
Chiropractic, Exercise physiology, Osteopathy
$350 a year
Podiatry
$200 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
Cover includes Health Management Programs to a limit of $150 per person /$300 per policy. Health Dollars Loyalty Rewards apply to a max after 4 years of $200 per person /$400 per family policy. Health Dollars Loyalty Rewards can be used to reduce hospital excess or top up current extras benefits.
Other services
General dental has service limits which are not included in the annual limit. A combined limit of $400 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 and dentures have a combined annual limit of $700. Limit for dentures renews every 3 years. p. The $400 endodontic limit includes surgical extractions and periodontic services. The orthodontic limit accrues annually up to a lifetime limit of $1,800 for an Orthodontist ($1,500 for General Dentist). Foot orthotics limited to 1 pair per person per year. HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy. For selected therapies, benefits are lower after 14 visits.
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 on high quality hearing aids. Available at participating providers and subject to annual limits.
Frequently asked questions
How much does Smart Extras pay for a scale and clean?
What are the waiting periods for Smart Extras?
Can Smart Extras be bought on its own?
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