Pricing for a couple in NSW, under 65
Premium calculated for the profile shown, before the government rebate.
HCF VITAL EXTRAS pricing by household
Monthly premiums in NSW for an adult under 65, before the government rebate. Every household this policy is sold to is listed.
| Excess | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| $0 | $84.95/month | $169.90/month | $171.59/month | $135.92/month |
Single pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $19.55 | $84.95 | $1,019.40 |
Couple pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $39.10 | $169.90 | $2,038.80 |
Family pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $39.49 | $171.59 | $2,059.08 |
Single parent pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $31.28 | $135.92 | $1,631.04 |
Extras Coverage — Top Level
Annual limits and benefits shown below.
| Service | Annual limit | Benefit | Waiting period | Details |
|---|---|---|---|---|
| General dental | No limit | $65.00 | 2 months | |
| Major dental | $850 | $850.00 | 12 months | |
| Endodontic | – | $170.00 | 12 months | |
| Orthodontic | $700 | $700.00 | 12 months | |
| Optical | $250 | 100% | 2 months | |
| Physiotherapy | $350 | $58.00 | 2 months | |
| Chiropractic | $250 | $40.00 | 2 months | |
| Psychology | $350 | $65.00 | 2 months | |
| Podiatry | $200 | $35.00 | 2 months | |
| Osteopathy | – | $48.00 | 2 months | |
| Acupuncture | $250 | $36.00 | 2 months | |
| Remedial massage | – | $36.00 | 2 months | |
| Dietetics | – | $45.00 | 2 months | |
| Speech therapy | – | $60.00 | 2 months | |
| Occupational therapy | – | $62.00 | 2 months | |
| Exercise physiology | – | $33.00 | 2 months | |
| Hearing aids | $600 | $600.00 | 12 months | |
| Orthotics | – | $110.00 | 12 months | |
| Non-PBS pharmaceuticals | $180 | $50.00 | 2 months | |
| Chinese herbal medicine | – | $36.00 | 2 months | |
| Health management | $150 | $150.00 | 2 months | |
| Vaccinations | – | $50.00 | 2 months | |
| Glucose monitor | $45 | $45.00 | 12 months | |
| Audiology | – | $60.00 | 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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Premiums shown for your current profile — adjust in Live Mode panel to see all values update.
About Insurer
HCF is a not-for-profit health insurer based in NSW. 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.
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Important Information
This page provides a summary of HCF VITAL 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 9 September 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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