HCF MY FAMILY SILVER PLUS
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
HCF MY FAMILY SILVER PLUS
$625.62
Pregnancy and birth covered
Back, neck and spine covered
Emergency ambulance covered
Optical included
100% back on single vision 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
- $288.86
- Excess
- $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
16 covered11 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
$800/person1 yr
Root Canal Therapy: $165
General Dental
$800/person2 mo
Periodic Exam: $33 or no gap at More for YouScale & Clean: $63 or no gap at More for YouFluoride: $27 or no gap at More for You
Major Dental
$800/person1 yr
Extraction: $167Full Crown (Veneered): $600
Orthodontic
-Optical
$200/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Acupuncture
$800/person2 mo
1st visit: $36Next visit: $36
Chinese Herbal Medicine
$800/person2 mo
1st visit: $36Next visit: $36
Chiropractic
$800/person2 mo
1st visit: $38Next visit: $33
Exercise Physiology
$800/person2 mo
1st visit: $33Next visit: $33
Osteopathy
$800/person2 mo
1st visit: $46Next visit: $39
Physiotherapy
$800/person2 mo
1st visit: $56Next visit: $49
Psychology
$800/person2 mo
1st visit: $50Next visit: $50
Remedial Massage
$800/person2 mo
1st visit: $36Next visit: $36
Occupational Therapy
-Speech Therapy
-Dietetics
$800/person2 mo
1st visit: $35Next visit: $35
Antenatal/Postnatal
-Audiology
-Hearing Aids
-Home Nursing
-Orthotics
-Podiatry
-Health Management
$800/person2 mo
Health Management: $110
Non-PBS Pharmaceuticals
$800/person2 mo
Prescription: $50
Vaccinations
$800/person2 mo
Vaccination: $50
Glucose Monitor
-HCF
HCF MY FAMILY SILVER PLUS
$625.62
Pregnancy and birth covered
Back, neck and spine covered
Emergency ambulance covered
Optical included
100% back on single vision lenses
Excess
Frequently Asked Questions
I need cover for...