Top Advanced Hospital Gold $750 Excess & General Extras
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 (15)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $400 a year |
| Major dental | 12 months |
| $300 a yearShared with Root canal (endodontics) |
| Root canal (endodontics) | 12 months |
| $300 a yearShared with Major dental |
| Orthodontics (braces) | 12 months |
| $250 a year |
| Glasses and contact lenses | 2 months |
| $180 a year |
| Non-PBS prescription medicines | 2 months |
| $500 a year |
| Physiotherapy | 2 months |
| $500 a yearShared with Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Occupational therapy, Osteopathy, Speech therapy |
| Chiropractic | 2 months |
| $500 a yearShared with Physiotherapy, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Occupational therapy, Osteopathy, Speech therapy |
| Acupuncture | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Remedial massage, Chinese herbal medicine, Exercise physiology, Occupational therapy, Osteopathy, Speech therapy |
| Remedial massage | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Chinese herbal medicine, Exercise physiology, Occupational therapy, Osteopathy, Speech therapy |
| Chinese herbal medicine | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Exercise physiology, Occupational therapy, Osteopathy, Speech therapy |
| Exercise physiology | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Occupational therapy, Osteopathy, Speech therapy |
| Occupational therapy | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Osteopathy, Speech therapy |
| Osteopathy | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Occupational therapy, Speech therapy |
| Speech therapy | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Occupational therapy, Osteopathy |
Not covered: Orthoptics, Hearing aids, Audiology (hearing tests), Podiatry, Orthotics, Psychology, Dietetics, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing
Annual limits
Services in the same group share one limit.
General dental
$400 a year
Major dental, Root canal (endodontics)
$300 a year
Orthodontics (braces)
$250 a year, $1,500 lifetime
Glasses and contact lenses
$180 a year
Non-PBS prescription medicines
$500 a year
Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Occupational therapy, Osteopathy, Speech therapy
$500 a year
Also includes other services not listed
Insurer's notes (original English)
Product features
Orthodontic accrues at $250 per calendar year, up to lifetime limit of $1,500 for Orthodontist ($1,000 for General Dentist).
Other services
General dental includes dental check-ups which have service limits not included in annual limit. Only oral surgery and endodontics covered under major dental. Sublimit of $250 each for chiro, osteo & exercise physiology. Combined sublimit of $200 for speech & occupational therapy. Combined sublimit of $100 for Acupuncture, Chinese herbal medicine consultation & remedial massage. Lower benefits apply for physiotherapy, chiropractic & osteopathy after the 11th visit. HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy.
Special features
Sub-limits may apply. See fund rules for more information
Frequently asked questions
How much does Top Advanced Hospital Gold $750 Excess & General Extras pay for a scale and clean?
What are the waiting periods for Top Advanced Hospital Gold $750 Excess & General Extras?
Can Top Advanced Hospital Gold $750 Excess & General Extras be bought on its own?
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