Top Advanced Hospital Gold $450 Excess & Super Multicover
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 (22)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $550 a year |
| Major dental | 12 months |
| $2,300 a yearShared with Root canal (endodontics) |
| Root canal (endodontics) | 12 months |
| $2,300 a yearShared with Major dental |
| Orthodontics (braces) | 12 months |
| $440 a year |
| Glasses and contact lenses | 2 months |
| $250 a year |
| Non-PBS prescription medicines | 2 months |
| $700 a year |
| Physiotherapy | 2 months |
| $600 a year |
| Chiropractic | 2 months |
| $600 a yearShared with Exercise physiology, Osteopathy |
| Podiatry | 2 months |
| $400 a year |
| Psychology | 2 months |
| $600 a year |
| Acupuncture | 2 months |
| $600 a yearShared with Remedial massage, Chinese herbal medicine |
| Remedial massage | 2 months |
| $600 a yearShared with Acupuncture, Chinese herbal medicine |
| Hearing aids | 12 months |
| $800 a year |
| Blood glucose monitors | 12 months |
| $600 a year |
| Audiology (hearing tests) | 2 months |
| $350 a year |
| Chinese herbal medicine | 2 months |
| $600 a yearShared with Acupuncture, Remedial massage |
| Dietetics | 2 months |
| $350 a year |
| Exercise physiology | 2 months |
| $600 a yearShared with Chiropractic, Osteopathy |
| Health management programs | 2 months |
| $200 a year |
| Occupational therapy | 2 months |
| $600 a year |
| Osteopathy | 2 months |
| $600 a yearShared with Chiropractic, Exercise physiology |
| Speech therapy | 2 months |
| $500 a year |
Not covered: Orthoptics, Orthotics, Vaccinations, 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)
$2,300 a year
Orthodontics (braces)
$440 a year, $2,640 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$700 a year
Physiotherapy
$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
Speech therapy
$500 a year
Insurer's notes (original English)
Product features
Crowns & Bridges limit increases by $100 a yr from $800 to $1200. Loyalty benefits apply on Physio and combined chiro & osteo limits. Sub-limits apply to chiro/osteo. Hearing aids limit increase from $800 to $1800 based on tenure. Includes Health Mngt Program limit of $200 pp/$400 per family policy.
Other services
General dental has check-ups with service limits not in annual limits. Endodontic, Periodontic, Oral surgery & occlusal therapy - combined limit $500. Dentures - $800 every 3 yrs. Ortho accrues at $440/calendar yr up to lifetime limit of $2,640 for Orthodontist ($1,000 for General Dentist). On Optical claim up to $500 within a 2 yr period. Sublimit of $250 for contact lens/yr. includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses).
Special features
General dental has check-ups with service limits on top of annual limits. Endodontic, Periodontic, Oral surgery & Occlusal therapy - combined limit $500. Ortho accrues at $440/calendar year, up to lifetime limit of $2640 for Orthodontist ($1,000 for General Dentist). On Optical claim up to $500 within a 2 yr period. Sublimit of $250 for contact lens/yr. Claim psychology after Medicare entitlements exhausted. Per hearing aid benefit is the total payable for hearing aids.
Frequently asked questions
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What are the waiting periods for Top Advanced Hospital Gold $450 Excess & Super Multicover?
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