HCF MID EXTRAS

PRODUCT SUMMARY
Affordable mid-level extras cover for a range of services and therapies.

FEATURES

100% BACK CLAIM ON A RANGE OF BE REWARDED WITH

ON SELECTED HEALTH MANAGEMENT A GREAT RANGE OF
EXTRAS* PROGRAMS EXCLUSIVE OFFERS
through HCF Thank You

EXTRAS INCLUDES:
GET 100% BACK ON:*
Mid-level cover for general and major dental, optical,
physio, chiro and some natural therapies Through More for Teeth providers:
HCF-approved vaccinations and immunisations 2 dental check-ups
A range of HCF-approved Health Management Programs 2 scale and cleans
including learn to swim classes, weight management
1 fluoride treatment
programs and gym membership fees for specific health
conditions Through More for Eyes providers:

Prescription glasses^
Free digital retinal imaging with your eye test

* At participating providers, subject to your cover

and annual limits. Exclusions apply. To find out
more, visit hcf.com.au/100back
^ Excludes add-ons such as high index material,
coatings and tinting.

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HCF MID EXTRAS
TREATMENTS COVERED BY THIS POLICY
ANNUAL LIMIT
INDICATIVE PER PERSON, PER
WAITING
SERVICE CATEGORY DESCRIPTION BENEFIT CALENDAR YEAR
PERIOD
AMOUNT (UNLESS OTHERWISE
SPECIFIED)
OPTICAL

Spectacle frames $115

Glasses and contact lenses Spectacle lenses – pair $140 2 months $200
Contact lenses – pair $140
Examinations (max 2 service per year) $32-$73
Diagnostic and Removal of plaque/calculus (max 2 service per year) $36-$62
GENERAL

preventative
DENTAL

Application of fluoride (max 1 service per year) $27

2 months
Single film X-rays (service limits apply) $29
Simple fillings Direct fillings $85-$177

Tooth extractions Simple extractions $95-$143

Oral surgery Surgical extractions $157-$250 $650
Complex fillings Indirect fillings $298-$600
DENTAL

Periodontics Treatment of tissue surrounding teeth $23-$374

MAJOR

12 months
Endodontics Treatment of root canals $27-$248
Crowns and bridges Placing of crowns and bridges $238-$600
Dentures and components (partial and complete)
Dentures Limits renew every 3 years $25-$600
Physiotherapy (see Health Management Programs for groups and $56/$49
classes)
$350
Exercise physiology (see Health Management Programs for groups $33
THERAPIES

and classes)
Initial/subsequent Chiropractic $38/$31 2 months
Osteopathy $46/$36
Remedial massage and myotherapy $36/$31 $150

Acupuncture and Chinese herbal medicine consultation $36/$31

HCF-approved vaccines
and immunisations After PBS equivalent co-payment subtracted Up to $50 per script $100
2 months
$50 per person
OTHER

Health Management HCF-approved e.g. exercise classes, group physiotherapy and group Up to $50
Programs exercise physiology classes and weight management Max $100 per policy
NSW and ACT N/A No annual limit
Emergency ambulance 1 day
(State govt. services) 1 per person
VIC, WA, NT, and SA N/A
Max 2 per policy

TREATMENTS NOT COVERED BY THIS POLICY

SERVICE CATEGORY DESCRIPTION
DENTAL
MAJOR

Orthodontics Orthodontics - orthodontist/other dentist

Oral surgery Occlusal therapy

Occupational therapy
Psychology (after Medicare entitlement exhausted)
THERAPIES

Podiatry (including foot orthotics)

Initial/subsequent
Audiology
Speech pathology
Dietetics
Orthoptic therapy Eye therapy
HCF-approved pharmacy After PBS equivalent co-payment subtracted
200km round trip for a consulting medical specialist and/or
Travel and accommodation
hospital admission
Artificial aids HCF-approved (e.g. low vision aids, blood glucose monitors)
OTHER

Hearing aids Benefits accrue over time and renew every 3 years
HCF-approved antenatal/postnatal services - pregnancy
Health Management compression garments and breastfeeding support services through
Programs the Australian Breastfeeding Association
Helps pay out-of-pocket expenses for extras in your cover.
School Accident Benefit See hcf.com.au/school-accident

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HCF Mid Extras PS 1019. This document is current at October 2019 and may be superseded at any time. This product summary is created from the Fund Rules.
THINGS YOU NEED TO KNOW
The following waiting periods apply where these services are covered under your policy:

EXTRAS WAITING PERIODS

1 DAY Emergency ambulance.

Crowns, bridges, dentures, endodontics, occlusal therapy, surgical extractions, oral surgery, complex fillings, periodontics, prosthodontics,
12 MONTHS
dental bleaching, veneers, orthodontics, artificial aids, foot orthotics and hearing aids.

2 MONTHS All other extras services.

WHAT’S NOT COVERED?

There are a number of situations where our health insurance doesn’t cover you, including for example:
• claims for services by providers not recognised by HCF, and that do not meet HCF’s criteria as set out in the Fund Rules
• claims made 2 years or more after the date of service
• more than 1 therapy service performed by the same provider in any 1 day.
Please refer to the HCF Member Guide or Fund Rules for a comprehensive list of exclusions.

Note:
This product summary is not a complete description of your cover. Please refer to the HCF Member Guide or Fund Rules,
or call 13 13 34 to check what you’re covered for before receiving treatment.