HCF MY FAMILY ADVANCED SILVER PLUS
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
HCF MY FAMILY ADVANCED SILVER PLUS
$373.35
Emergency ambulance covered
Pregnancy and birth covered
Back, neck and spine covered
Optical included
100% back on single vision and multifocal lenses
Excess
Why this cover
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Ear, Nose & Throat
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $160.05
- Excess
- $500 – $750
- Hospital tier
- SilverPlus
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
30 covered7 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine
Extras Cover
22 covered5 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.
Endodontic
$1,200/policy1 yr
Root Canal Therapy: $170
General Dental
$1,200/policy2 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
$1,200/policy1 yr
Extraction: $184Full Crown (Veneered): $900
Orthodontic
$1,200/policy1 yr
Braces (Upper & Lower): $700
Optical
$250/policy2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Acupuncture
$1,200/policy2 mo
1st visit: $36Next visit: $36
Chinese Herbal Medicine
$1,200/policy2 mo
1st visit: $36Next visit: $36
Chiropractic
$1,200/policy2 mo
1st visit: $40Next visit: $35
Exercise Physiology
$1,200/policy2 mo
1st visit: $33Next visit: $33
Occupational Therapy
$1,200/policy2 mo
1st visit: $62Next visit: $62
Osteopathy
$1,200/policy2 mo
1st visit: $48Next visit: $41
Physiotherapy
$1,200/policy2 mo
1st visit: $58Next visit: $49
Psychology
$1,200/policy2 mo
1st visit: $65Next visit: $65
Remedial Massage
$1,200/policy2 mo
1st visit: $36Next visit: $36
Speech Therapy
$1,200/policy2 mo
1st visit: $60Next visit: $60
Dietetics
$1,200/policy2 mo
1st visit: $45Next visit: $45
Orthotics
$1,200/policy1 yr
Orthotics: $110
Podiatry
$1,200/policy2 mo
1st visit: $35Next visit: $35
Antenatal/Postnatal
-Audiology
-Hearing Aids
-Home Nursing
-Glucose Monitor
$1,200/policy1 yr
Glucose Monitor: $45
Health Management
$1,200/policy2 mo
Health Management: $150
Non-PBS Pharmaceuticals
$1,200/policy2 mo
Prescription: $50
Vaccinations
$1,200/policy2 mo
Vaccination: $50
HCF
HCF MY FAMILY ADVANCED SILVER PLUS
$373.35
Emergency ambulance covered
Pregnancy and birth covered
Back, neck and spine covered
Optical included
100% back on single vision and multifocal lenses
Excess
Frequently Asked Questions
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