HCF MY FUTURE BASIC PLUS
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
HCF MY FUTURE BASIC PLUS
$290.08
Emergency ambulance covered
Bone and joint muscle covered
Dental surgery covered
Ear nose throat covered
Physio included
Excess
Why this cover
Hospital Cover
- Ear, Nose & Throat
- Bone, Joint & Muscle
- Joint Reconstructions
- Gynaecology
Extras Cover
- Dental
- Physiotherapy
- Chiropractic
- Psychology
Pricing & Value
- Monthly premium from
- $152.94
- Excess
- $750
- Hospital tier
- BasicPlus
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
10 covered25 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine
Extras Cover
12 covered15 not covered
More for You dentistsSpecial dental rates at a More for You dentist
Check if your dentist is in-networkSearch our provider directory for your clinic.
Endodontic
$600/person1 yr
Root Canal Therapy: $138
General Dental
$600/person2 mo
Periodic Exam: $29Scale & Clean: $57Fluoride: $25
Major Dental
$600/person1 yr
Extraction: $156
Orthodontic
-Acupuncture
$600/person2 mo
1st visit: $30Next visit: $30
Chinese Herbal Medicine
$600/person2 mo
1st visit: $30Next visit: $30
Chiropractic
$600/person2 mo
1st visit: $30Next visit: $26
Exercise Physiology
$600/person2 mo
1st visit: $26Next visit: $26
Osteopathy
$600/person2 mo
1st visit: $38Next visit: $36
Physiotherapy
$600/person2 mo
1st visit: $38Next visit: $32
Psychology
$600/person2 mo
1st visit: $35Next visit: $35
Remedial Massage
$600/person2 mo
1st visit: $27Next visit: $27
Occupational Therapy
-Speech Therapy
-Vaccinations
$600/person2 mo
Vaccination: $50
Glucose Monitor
-Health Management
-Non-PBS Pharmaceuticals
-HCF
HCF MY FUTURE BASIC PLUS
$290.08
Emergency ambulance covered
Bone and joint muscle covered
Dental surgery covered
Ear nose throat covered
Physio included
Excess
Frequently Asked Questions
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