HCF TOP EXTRAS
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
HCF TOP EXTRAS
$224.10
Optical included
Dental included
Physio included
Emergency ambulance covered
Hearing aids included
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $173.96
- Excess
- $0
Average Service Record1.81× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
Change your mind within 30 days
We do all the paperwork for you
Hospital Cover
Extras Cover
24 covered3 not covered
More for You dentistsNo-gap dental check-ups at a More for You dentist
Check if your dentist is in-networkSearch our provider directory for your clinic.
No annual limit on preventive dental
Endodontic
$1,000/person1 yr
Root Canal Therapy: $191
General Dental
Unlimited2 mo
Periodic Exam: $38 or no gap at More for YouScale & Clean: $76 or no gap at More for YouFluoride: $29 or no gap at More for You
Major Dental
$1,000/person1 yr
Extraction: $210Full Crown (Veneered): $1000
Orthodontic
$800/person1 yr
Braces (Upper & Lower): $800
Optical
$275/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Acupuncture
$300/person2 mo
1st visit: $40Next visit: $40
Chinese Herbal Medicine
$300/person2 mo
1st visit: $40Next visit: $40
Chiropractic
$300/person2 mo
1st visit: $45Next visit: $38
Exercise Physiology
$600/person2 mo
1st visit: $40Next visit: $40
Occupational Therapy
$600/person2 mo
1st visit: $72Next visit: $72
Osteopathy
$300/person2 mo
1st visit: $50Next visit: $43
Physiotherapy
$600/person2 mo
1st visit: $60Next visit: $54
Psychology
$600/person2 mo
1st visit: $80Next visit: $80
Remedial Massage
$300/person2 mo
1st visit: $40Next visit: $40
Speech Therapy
$250/person2 mo
1st visit: $83Next visit: $83
Audiology
$250/person2 mo
1st visit: $70Next visit: $70
Dietetics
$250/person2 mo
1st visit: $55Next visit: $55
Hearing Aids
$800/person1 yr
Hearing Aid: $800
Orthotics
$250/person1 yr
Orthotics: $130
Podiatry
$250/person2 mo
1st visit: $40Next visit: $40
Antenatal/Postnatal
-Home Nursing
-Glucose Monitor
$55/person1 yr
Glucose Monitor: $55
Health Management
$200/person2 mo
Health Management: $200
Non-PBS Pharmaceuticals
$280/person2 mo
Prescription: $50
Vaccinations
$280/person2 mo
Vaccination: $50
HCF
HCF TOP EXTRAS
$224.10
Optical included
Dental included
Physio included
Emergency ambulance covered
Hearing aids included
Excess
Frequently Asked Questions
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