Extras-onlyClosed

Super Multicover

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 (25)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $37 Scale and clean (114): $75 Fluoride (121): $28	$550 a year
Major dental	12 months	Extraction (322): $210 Full crown, veneered (615): $700	$500 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $179	$500 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $440	$440 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: $50	$700 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: $55 Subsequent visit: $42	$600 a yearShared with Orthoptics
Chiropractic	2 months	Initial visit: $42 Subsequent visit: $33	$600 a yearShared with Exercise physiology, Osteopathy
Podiatry	2 months	Initial visit: $40 Subsequent visit: $34	$400 a year
Psychology	2 months	Initial visit: $46 Subsequent visit: $46	$600 a year
Acupuncture	2 months	Initial visit: $40 Subsequent visit: $35	$600 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage	2 months	Initial visit: $40 Subsequent visit: $35	$600 a yearShared with Acupuncture, Chinese herbal medicine
Hearing aids	12 months	Per hearing aid: $800	$800 a year
Blood glucose monitors	12 months	Blood glucose monitor: $150	$600 a year
Audiology (hearing tests)	2 months	Initial visit: $58 Subsequent visit: $40	$350 a year
Chinese herbal medicine	2 months	Initial visit: $40 Subsequent visit: $35	$600 a yearShared with Acupuncture, Remedial massage
Dietetics	2 months	Initial visit: $55 Subsequent visit: $45	$350 a year
Exercise physiology	2 months	Initial visit: $40 Subsequent visit: $33	$600 a yearShared with Chiropractic, Osteopathy
Orthoptics	2 months	Initial visit: $38 Subsequent visit: $38	$600 a yearShared with Physiotherapy
Health management programs	2 months	Health management program: $200	$200 a year
Occupational therapy	2 months	Initial visit: $72 Subsequent visit: $50	$600 a year
Orthotics	12 months	Per pair of orthotics: $100	$200 a year
Osteopathy	2 months	Initial visit: $45 Subsequent visit: $35	$600 a yearShared with Chiropractic, Exercise physiology
Speech therapy	2 months	Initial visit: $83 Subsequent visit: $51	$500 a year
Vaccinations	2 months	Per vaccination: $50	$700 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
Major dental, Root canal (endodontics)
$500 a year
Orthodontics (braces)
$440 a year, $2,640 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines, Vaccinations
$700 a year
Physiotherapy, Orthoptics
$600 a year
Chiropractic, Exercise physiology, Osteopathy
$600 a year
Podiatry
$400 a year
Psychology
$600 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$600 a year
Also includes other services not listed
Hearing aids
$800 a year, 1 per 3 years
Blood glucose monitors
$600 a year, 1 per 3 years
Also includes other services not listed
Audiology (hearing tests)
$350 a year
Dietetics
$350 a year
Health management programs
$200 a year
Occupational therapy
$600 a year
Orthotics
$200 a year
Speech therapy
$500 a year

Insurer's notes (original English)

Other services

Preventative and diagnostic dental is not included in general dental annual limit. Service limits apply. Crowns & Bridges, up to $1,200 annual limit. Dentures, $800 limit every 3 yrs. Orthodontic lifetime limit for other dentists, $1,000. Other major dental combined annual limit of $500. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses).

Special features

Includes 100% back on 2 dental check-ups, prescription glasses and free digital retinal imaging with an eye test, and 100% back on a range of services at HCF No Gap network, 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. Hearing aid limits increase from $800 to $1,800 based on tenure. Travel and accommodation limit $400 ($200 accommodation sub-limit). $800 annual limit for school accident benefit.

Frequently asked questions

How much does Super Multicover pay for a scale and clean?

According to government data, Super Multicover pays up to $75 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $550 a year.

What are the waiting periods for Super Multicover?

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, Audiology (hearing tests) 2 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 Super Multicover be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

Already have Extras? Make the most of your limits

Tell us your insurer and product name. We'll help you see what you can claim and find providers who speak your language and offer on-the-spot HICAPS claims.

Free matching