HCF VITAL EXTRAS
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
HCF VITAL EXTRAS
$135.92
Optical 100% back on single and multifocal lenses
Dental major cover up to $850 per person
Orthodontic cover up to $700 per person
Physio included
Emergency ambulance covered
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $90.81
- 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
$850/person1 yr
Root Canal Therapy: $170
General Dental
Unlimited2 mo
Periodic Exam: $35 or no gap at More for YouScale & Clean: $65 or no gap at More for YouFluoride: $28 or no gap at More for You
Major Dental
$850/person1 yr
Extraction: $184Full Crown (Veneered): $850
Orthodontic
$700/person1 yr
Braces (Upper & Lower): $700
Optical
$250/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Acupuncture
$250/person2 mo
1st visit: $36Next visit: $36
Chinese Herbal Medicine
$250/person2 mo
1st visit: $36Next visit: $36
Chiropractic
$250/person2 mo
1st visit: $40Next visit: $35
Exercise Physiology
$350/person2 mo
1st visit: $33Next visit: $33
Occupational Therapy
$350/person2 mo
1st visit: $62Next visit: $62
Osteopathy
$250/person2 mo
1st visit: $48Next visit: $41
Physiotherapy
$350/person2 mo
1st visit: $58Next visit: $49
Psychology
$350/person2 mo
1st visit: $65Next visit: $65
Remedial Massage
$250/person2 mo
1st visit: $36Next visit: $36
Speech Therapy
$200/person2 mo
1st visit: $60Next visit: $60
Audiology
$200/person2 mo
1st visit: $60Next visit: $60
Dietetics
$200/person2 mo
1st visit: $45Next visit: $45
Hearing Aids
$600/person1 yr
Hearing Aid: $600
Orthotics
$200/person1 yr
Orthotics: $110
Podiatry
$200/person2 mo
1st visit: $35Next visit: $35
Antenatal/Postnatal
-Home Nursing
-Glucose Monitor
$45/person1 yr
Glucose Monitor: $45
Health Management
$150/person2 mo
Health Management: $150
Non-PBS Pharmaceuticals
$180/person2 mo
Prescription: $50
Vaccinations
$180/person2 mo
Vaccination: $50
HCF
HCF VITAL EXTRAS
$135.92
Optical 100% back on single and multifocal lenses
Dental major cover up to $850 per person
Orthodontic cover up to $700 per person
Physio included
Emergency ambulance covered
Excess
Frequently Asked Questions
I need cover for...