Pricing for a single in NSW, under 65
Premium calculated for current profile with rebate applied.
Extras Coverage — Top Level
Annual limits and benefit percentages shown below.
| Service | Annual limit | Benefit % | Waiting period | Details |
|---|---|---|---|---|
| General dental | No limit | $78.00 | 2 months | |
| Major dental | $1,150 | $1,000.00 | 12 months | |
| Endodontic | – | $195.00 | 12 months | |
| Orthodontic | $800 | $800.00 | 12 months | |
| Optical | $250 | 100% | 2 months | |
| Physiotherapy | $700 | $62.00 | 2 months | |
| Chiropractic | $350 | $45.00 | 2 months | |
| Psychology | $700 | $70.00 | 2 months | |
| Podiatry | $400 | $41.00 | 2 months | |
| Osteopathy | – | $53.00 | 2 months | |
| Acupuncture | $450 | $41.00 | 2 months | |
| Remedial massage | – | $41.00 | 2 months | |
| Dietetics | – | $56.00 | 2 months | |
| Speech therapy | – | $83.00 | 2 months | |
| Occupational therapy | – | $72.00 | 2 months | |
| Exercise physiology | – | $40.00 | 2 months | |
| Hearing aids | $800 | $800.00 | 12 months | |
| Orthotics | – | $130.00 | 12 months | |
| Non-PBS pharmaceuticals | $280 | $50.00 | 2 months | |
| Chinese herbal medicine | – | $41.00 | 2 months | |
| Health management | $125 | $100.00 | 2 months | |
| Vaccinations | – | $50.00 | 2 months | |
| Glucose monitor | $55 | $55.00 | 12 months | |
| Audiology | – | $71.00 | 2 months |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
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About Insurer
HCF is a not-for-profit Australian health insurer. They offer 159 policies across hospital, extras, and combined cover.
HCF is a not-for-profit, member-owned private health fund established in 1932. It returns surplus to members rather than shareholders and offers hospital, extras and combined cover, along with life insurance.
View all insurer policiesImportant Information
This page provides a summary of HCF ADVANCED EXTRAS by HCF based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from HCF
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 26 July 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by HCF.
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No registration · No paywall · Last updated 26 July 2026 · Data compiled and powered by Convincely
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