HCF
fund code HCF · Open membership
Health insurance
HCF sells 1,582 open policies with hospital cover (1,372 hospital-only, 210 combined with extras, counting one per state and household type) in all states, grouped below into 40 products, of which 20 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| HCF CORPORATE CARE GOLD HOSPITAL $750 EXCESS | Gold | Hospital | $750 | None | 38 | 0 | CorporateAdd-on | All states | SCFPSingle, Couple, Family, Single parent | $272.52 – $1,394.83 | |
| HCF CORPORATE GOLD $250 EXCESS | Gold | Hospital | $250 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $210.23 – $945.89 | |
| HCF CORPORATE GOLD $500 EXCESS | Gold | Hospital | $500 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $183.74 – $885.75 | |
| HCF CORPORATE GOLD $750 EXCESS | Gold | Hospital | $750 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $172.39 – $855.44 | |
| HCF CORPORATE GOLD NIL EXCESS | Gold | Hospital | — | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $230.82 – $1,000.39 | |
| HCF Hospital Optimal Gold $750 Excess | Gold | Hospital | $750 | None | 38 | 0 | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $294.42 – $1,380.60 | |
| TOP ADVANCED HOSPITAL GOLD $250 EXCESS & MULTICOVER | Gold | Combined | $250 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $276.96 – $1,054.50 | |
| HCF CORPORATE CARE SILVER PLUS ADVANCED HOSPITAL $250 EXCESS | Silver Plus | Hospital | $250 | None | 33 | 1 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $127.78 – $814.97 | |
| HCF CORPORATE CARE SILVER PLUS ADVANCED HOSPITAL $500 EXCESS | Silver Plus | Hospital | $500 | None | 33 | 1 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $116.17 – $740.88 | |
| HCF CORPORATE CARE SILVER PLUS ADVANCED HOSPITAL $750 EXCESS | Silver Plus | Hospital | $750 | None | 33 | 1 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $113.84 – $726.06 | |
| HCF CORPORATE CARE SILVER PLUS HOSPITAL $250 EXCESS | Silver Plus | Hospital | $250 | None | 29 | 1 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $89.87 – $585.72 | |
| HCF CORPORATE CARE SILVER PLUS HOSPITAL $500 EXCESS | Silver Plus | Hospital | $500 | None | 29 | 1 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $81.70 – $532.47 | |
| HCF CORPORATE CARE SILVER PLUS HOSPITAL $750 EXCESS | Silver Plus | Hospital | $750 | None | 29 | 1 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $69.45 – $452.60 | |
| HCF HOSPITAL SILVER PLUS $250 EXCESS | Silver Plus | Hospital | $250 | None | 33 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $190.00 – $794.82 | ||
| HCF HOSPITAL SILVER PLUS $500 EXCESS | Silver Plus | Hospital | $500 | None | 33 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $158.11 – $705.19 | ||
| HCF HOSPITAL SILVER PLUS $750 EXCESS | Silver Plus | Hospital | $750 | None | 33 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $142.09 – $664.36 | ||
| HCF HOSPITAL STANDARD SILVER PLUS | Silver Plus | Hospital | $250 | None | 29 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $111.80 – $573.71 | ||
| HCF HOSPITAL STANDARD SILVER PLUS | Silver Plus | Hospital | $500 | None | 29 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $90.44 – $506.72 | ||
| HCF HOSPITAL STANDARD SILVER PLUS | Silver Plus | Hospital | $750 | None | 29 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $73.36 – $459.77 | ||
| HCF MY FAMILY ADVANCED SILVER PLUS $500 EXCESS | Silver Plus | Combined | $500 | None | 30 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $177.83 – $991.33 | ||
| HCF MY FAMILY ADVANCED SILVER PLUS $750 EXCESS | Silver Plus | Combined | $750 | None | 30 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $160.05 – $928.04 | ||
| HCF MY FAMILY SILVER PLUS $750 EXCESS | Silver Plus | Combined | $750 | None | 30 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $144.43 – $822.89 | ||
| HCF CORPORATE CARE BRONZE PLUS HOSPITAL $250 EXCESS | Bronze Plus | Hospital | $250 | None | 22 | 3 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $81.51 – $473.08 | |
| HCF CORPORATE CARE BRONZE PLUS HOSPITAL $500 EXCESS | Bronze Plus | Hospital | $500 | None | 22 | 3 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $74.10 – $430.07 | |
| HCF CORPORATE CARE BRONZE PLUS HOSPITAL $750 EXCESS | Bronze Plus | Hospital | $750 | None | 22 | 3 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $65.21 – $378.46 | |
| HCF HOSPITAL BRONZE PLUS $250 EXCESS | Bronze Plus | Hospital | $250 | None | 25 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $94.55 – $479.63 | ||
| HCF HOSPITAL BRONZE PLUS $500 EXCESS | Bronze Plus | Hospital | $500 | None | 25 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $73.83 – $412.13 | ||
| HCF HOSPITAL BRONZE PLUS $750 EXCESS | Bronze Plus | Hospital | $750 | None | 25 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $62.18 – $375.82 | ||
| HCF HOSPITAL BRONZE $500 EXCESS | Bronze | Hospital | $500 | None | 18 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $70.00 – $378.87 | ||
| HCF HOSPITAL BRONZE $750 EXCESS | Bronze | Hospital | $750 | None | 18 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $63.84 – $345.54 | ||
| HCF CORPORATE CARE BASIC PLUS HOSPITAL $500 EXCESS | Basic Plus | Hospital | $500 | None | 7 | 3 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $60.81 – $350.46 | |
| HCF CORPORATE CARE BASIC PLUS HOSPITAL $750 EXCESS | Basic Plus | Hospital | $750 | None | 7 | 3 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $57.16 – $329.44 | |
| HCF Hospital Basic Plus $500 Excess | Basic Plus | Hospital | $500 | None | 9 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $59.19 – $337.19 | ||
| HCF Hospital Basic Plus $750 Excess | Basic Plus | Hospital | $750 | None | 9 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $51.17 – $310.60 | ||
| HCF MY FUTURE 250 BASIC PLUS | Basic Plus | Combined | $250 | None | 10 | 3 | All states | SCSingle, Couple | $93.11 – $377.72 | ||
| HCF MY FUTURE 500 BASIC PLUS | Basic Plus | Combined | $500 | None | 10 | 3 | All states | SCSingle, Couple | $86.07 – $339.80 | ||
| HCF MY FUTURE 750 BASIC PLUS | Basic Plus | Combined | $750 | None | 10 | 3 | All states | SCSingle, Couple | $76.47 – $307.52 | ||
| HCF ACCIDENT ONLY BASIC | Basic | Hospital | $750 | None | 0 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $41.37 – $293.93 | ||
| HCF CORPORATE CARE BASIC HOSPITAL $750 EXCESS | Basic | Hospital | $750 | None | 0 | 3 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $55.00 – $286.71 | |
| HCF Reciprocal Health Cover Basic | Basic | Hospital | $750 | None | 0 | 3 | Visitors | All states | SCFPSingle, Couple, Family, Single parent | $40.95 – $228.80 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 10 of 38 categories covered, 3 restricted, 25 not covered
Covered Bone, joint and muscle, Dental surgery, Ear, nose and throat, Gynaecology, Hernia and appendix, Joint reconstructions, Miscarriage and termination of pregnancy, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Eye (not cataracts), Gastrointestinal endoscopy, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery
Products HCF MY FUTURE 250 BASIC PLUS (Basic Plus, combined); HCF MY FUTURE 500 BASIC PLUS (Basic Plus, combined); HCF MY FUTURE 750 BASIC PLUS (Basic Plus, combined)
Cover profile 2 · 30 of 38 categories covered, 1 restricted, 7 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Weight loss surgery
Products HCF MY FAMILY ADVANCED SILVER PLUS $500 EXCESS (Silver Plus, combined); HCF MY FAMILY ADVANCED SILVER PLUS $750 EXCESS (Silver Plus, combined); HCF MY FAMILY SILVER PLUS $750 EXCESS (Silver Plus, combined)
Cover profile 3 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products HCF CORPORATE CARE GOLD HOSPITAL $750 EXCESS (Gold, hospital); HCF CORPORATE GOLD $250 EXCESS (Gold, hospital); HCF CORPORATE GOLD $500 EXCESS (Gold, hospital); HCF CORPORATE GOLD $750 EXCESS (Gold, hospital); HCF CORPORATE GOLD NIL EXCESS (Gold, hospital); HCF Hospital Optimal Gold $750 Excess (Gold, hospital); TOP ADVANCED HOSPITAL GOLD $250 EXCESS & MULTICOVER (Gold, combined)
Cover profile 4 · 0 of 38 categories covered, 3 restricted, 35 not covered
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products HCF ACCIDENT ONLY BASIC (Basic, hospital); HCF CORPORATE CARE BASIC HOSPITAL $750 EXCESS (Basic, hospital); HCF Reciprocal Health Cover Basic (Basic, hospital)
Cover profile 5 · 9 of 38 categories covered, 3 restricted, 26 not covered
Covered Dental surgery, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Male reproductive system, Miscarriage and termination of pregnancy, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products HCF Hospital Basic Plus $500 Excess (Basic Plus, hospital); HCF Hospital Basic Plus $750 Excess (Basic Plus, hospital)
Cover profile 6 · 7 of 38 categories covered, 3 restricted, 28 not covered
Covered Dental surgery, Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Miscarriage and termination of pregnancy, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products HCF CORPORATE CARE BASIC PLUS HOSPITAL $500 EXCESS (Basic Plus, hospital); HCF CORPORATE CARE BASIC PLUS HOSPITAL $750 EXCESS (Basic Plus, hospital)
Cover profile 7 · 18 of 38 categories covered, 3 restricted, 17 not covered
Covered Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Cataracts, Dental surgery, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products HCF HOSPITAL BRONZE $500 EXCESS (Bronze, hospital); HCF HOSPITAL BRONZE $750 EXCESS (Bronze, hospital)
Cover profile 8 · 25 of 38 categories covered, 2 restricted, 11 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products HCF HOSPITAL BRONZE PLUS $250 EXCESS (Bronze Plus, hospital); HCF HOSPITAL BRONZE PLUS $500 EXCESS (Bronze Plus, hospital); HCF HOSPITAL BRONZE PLUS $750 EXCESS (Bronze Plus, hospital)
Cover profile 9 · 22 of 38 categories covered, 3 restricted, 13 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery
Products HCF CORPORATE CARE BRONZE PLUS HOSPITAL $250 EXCESS (Bronze Plus, hospital); HCF CORPORATE CARE BRONZE PLUS HOSPITAL $500 EXCESS (Bronze Plus, hospital); HCF CORPORATE CARE BRONZE PLUS HOSPITAL $750 EXCESS (Bronze Plus, hospital)
Cover profile 10 · 29 of 38 categories covered, 1 restricted, 8 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products HCF CORPORATE CARE SILVER PLUS HOSPITAL $250 EXCESS (Silver Plus, hospital); HCF CORPORATE CARE SILVER PLUS HOSPITAL $500 EXCESS (Silver Plus, hospital); HCF CORPORATE CARE SILVER PLUS HOSPITAL $750 EXCESS (Silver Plus, hospital); HCF HOSPITAL STANDARD SILVER PLUS (Silver Plus, hospital)
Cover profile 11 · 33 of 38 categories covered, 1 restricted, 4 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Insulin pumps, Pregnancy and birth, Weight loss surgery
Products HCF HOSPITAL SILVER PLUS $250 EXCESS (Silver Plus, hospital); HCF HOSPITAL SILVER PLUS $500 EXCESS (Silver Plus, hospital); HCF HOSPITAL SILVER PLUS $750 EXCESS (Silver Plus, hospital)
Cover profile 12 · 33 of 38 categories covered, 1 restricted, 4 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Dialysis for chronic kidney failure, Pregnancy and birth, Weight loss surgery
Products HCF CORPORATE CARE SILVER PLUS ADVANCED HOSPITAL $250 EXCESS (Silver Plus, hospital); HCF CORPORATE CARE SILVER PLUS ADVANCED HOSPITAL $500 EXCESS (Silver Plus, hospital); HCF CORPORATE CARE SILVER PLUS ADVANCED HOSPITAL $750 EXCESS (Silver Plus, hospital)
Extras profiles
Extras profile 1 · 12 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Endodontic, Exercise physiology, Osteopathy, Physiotherapy, Psychology, Remedial massage, Vaccinations
Products HCF MY FUTURE 750 BASIC PLUS (Basic Plus, combined)
Extras profile 2 · 13 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Endodontic, Exercise physiology, Optical, Osteopathy, Physiotherapy, Psychology, Remedial massage, Vaccinations
Products HCF MY FUTURE 250 BASIC PLUS (Basic Plus, combined); HCF MY FUTURE 500 BASIC PLUS (Basic Plus, combined)
Extras profile 3 · 16 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Health management programs, Non-PBS pharmaceuticals, Optical, Osteopathy, Physiotherapy, Psychology, Remedial massage, Vaccinations
Products HCF MY FAMILY SILVER PLUS $750 EXCESS (Silver Plus, combined)
Extras profile 4 · 22 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Health management programs, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy, Vaccinations
Products HCF MY FAMILY ADVANCED SILVER PLUS $500 EXCESS (Silver Plus, combined); HCF MY FAMILY ADVANCED SILVER PLUS $750 EXCESS (Silver Plus, combined)
Extras profile 5 · 21 services
Services Acupuncture, Audiology, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Health management programs, Hearing aids, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage
Products TOP ADVANCED HOSPITAL GOLD $250 EXCESS & MULTICOVER (Gold, combined)
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (30 products)
- Waiting profile 2: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (10 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/hcf.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
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