HCF Health Insurance

HCF health insurance

HCF is a provider of health insurance, life insurance, travel insurance, and pet insurance.

“More for members.”

Policy Options: What HCF health insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product.  Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering.

HCF Hospital Only Policy

Most HCF Hospital Only policies include varying levels of the following hospital cover – please check the policy you choose though as not all procedures are covered under all policies:

Hospital Policy Name
Accident Only Basic Hospital Mid Hospital Premium Hospital
Assisted Reproductive N N N Y
Cataract N N N Y
Gastric Banding N N N Y
Joint Replacement N N R Y
Obstetrics N N R Y
Cardiac N N Y Y
Knee Reconstruction N R Y Y
Colonoscopy N Y Y Y
Wisdom Teeth N Y Y Y
Psychiatric R R R Y
Rehabilitation R R R Y
Palliative R Y Y Y

Source: PHIO

R: Restrictions – services that are covered to a limited extent, which means you will have greater out-of-pocket expenses. Restricted benefits are not sufficient to cover the full hospital cost of a private hospital admission and you will need to pay for the difference in cost.

B: Benefit limitation periods – which pay reduced benefits on one or more services for a set period of time after the waiting period, then pay full benefits after this period.

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HCF Extras Only Policy

Extras Only policies can be added to Hospital Only policies, so you can choose the level of extras you want.

Extras Policy
Extras Cover Bronze Extras Bronze Plus Extras Silver Extras Silver Plus Extras Gold Extras Platinum Extras
Chiropractic Y Y Y Y Y Y
General Dental Y Y Y Y Y Y
Massage Y Y Y Y Y Y
Naturopathy Y Y Y Y Y Y
Physiotherapy Y Y Y Y Y Y
Optical N Y Y Y Y Y
Major Dental N N Y Y Y Y
Endodontic N N N Y Y Y
Hearing Aids N N N N Y Y
Orthodontic N N N N Y Y
Podiatry N N N N Y Y
Psychology N N N N Y Y

Source: PHIO

R: Restrictions – services that are covered to a limited extent, which means you will have greater out-of-pocket expenses. Restricted benefits are not sufficient to cover the full hospital cost of a private hospital admission and you will need to pay for the difference in cost.

B: Benefit limitation periods – which pay reduced benefits on one or more services for a set period of time after the waiting period, then pay full benefits after this period.

 

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About HCF: Why choose HCF

HCF was founded in 1932 during the Great Depression, and is the oldest of the ‘Big’ Australian health funds. More than 80 years on, HCF is one of the only remaining not-for-profit funds.

In addition to 2016, HCF won the coveted CANSTAR Award for Outstanding Value Health Insurance in 2016, 2014, 2013, 20122011, 2010 and 2009.

HCF members receive some great benefits:

Free health checks: Free heart checks from the Victor Chang Cardiac Research Institute, at HCF branches in NSW, QLD, VIC, SA, and the ACT.

My Global Specialist: Get a second opinion on your doctor’s suggested diagnosis or treatment plan, from a world leading specialist doctor in that field, based on your full medical record. App available on the App Store and Google Play.

My Health Guardian: Healthy living program to lose weight and get fit, or for dealing with chronic conditions.

HCF Mobile App: Make claims, check remaining limits on extras, find your nearest hospital or dentist, and update membership details. Available on the App Store and Google Play.

HCF EYECARE App: A set of screening tools to help you assess your vision. Available on the App Store and Google Play.

Fit & Well Magazine: Available in an app (App Store and Google Play) or delivered to your door.

HCF Dental Centres – find one near you, even in regional areas.

HCF Eye Care Centres – find one near you.

How HCF supports the community

HCF Research Foundation: A charitable trust that provides research grants for health research and improvements to healthcare in Australia. $50 million since Foundation was established in 2000.

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  Written by: TJ Ryan