Health Insurance

HCF Corporate Choose My Extras

Compare 144 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.

HCF logo

HCF

HCF Corporate Choose My Extras

$120.45

Optical included

Physio included

Dental included

Emergency ambulance covered

Excess

Why this cover

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$120.45
Excess
$0
Average Service Record1.00× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

Get up to 8 weeks free

Join eligible hospital and extras cover by 20 April 2026 to get 4 weeks free after 90 days and another 4 weeks free after 12 months. Plus, 2-month waiting periods waived on extras. Offer applies to eligible members who take out combined HCF hospital and extras cover (excluding any Gold level Hospital cover, Overseas Visitors Health Cover and any partially or fully subsidised Corporate Health Cover). To be eligible, you must be an Australian resident aged 18 years or over, start your Eligible Policy during the Offer Period, not have been insured under an RT Health or HCF health insurance policy in the 2 months prior, and not have received any promotional discount on any RT Health or HCF health insurance policy within the 12 months prior to receiving the Offer. Waiting periods for extras longer than 2 months and all hospital waiting periods still apply. HCF may take up to six weeks to process each extension. Not available with any other corporate joining offer.

Ending 20 Apr 2026

Hospital Cover

Extras Cover

20 covered7 not covered
Endodontic
$500/person1 yr
Root Canal Therapy: 65% back
General Dental
$350/person2 mo
Periodic Exam: 65% backScale & Clean: 65% backFluoride: 65% back
Major Dental
$500/person1 yr
Extraction: 65% backFull Crown (Veneered): 65% back
Orthodontic
$450/person1 yr
Braces (Upper & Lower): 65% back
Optical
$225/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-
Acupuncture
$200/person2 mo
1st visit: 65% backNext visit: 65% back
Chinese Herbal Medicine
$200/person2 mo
1st visit: 65% backNext visit: 65% back
Chiropractic
$200/person2 mo
1st visit: 65% backNext visit: 65% back
Exercise Physiology
$350/person2 mo
1st visit: 65% backNext visit: 65% back
Occupational Therapy
$300/person2 mo
1st visit: 65% backNext visit: 65% back
Osteopathy
$200/person2 mo
1st visit: 65% backNext visit: 65% back
Physiotherapy
$350/person2 mo
1st visit: 65% backNext visit: 65% back
Psychology
$300/person2 mo
1st visit: 65% backNext visit: 65% back
Remedial Massage
$200/person2 mo
1st visit: 65% backNext visit: 65% back
Speech Therapy
$300/person2 mo
1st visit: 65% backNext visit: 65% back
Antenatal/Postnatal
$125/person2 mo
1st visit: 65% backNext visit: 65% back
Dietetics
$200/person2 mo
1st visit: 65% backNext visit: 65% back
Podiatry
$200/person2 mo
1st visit: 65% backNext visit: 65% back
Audiology
-
Hearing Aids
-
Home Nursing
-
Orthotics
-
Health Management
$125/person2 mo
Health Management: 65% back
Vaccinations
$180/person2 mo
Vaccination: 65% back
Glucose Monitor
-
Non-PBS Pharmaceuticals
-
HCF logo

HCF

HCF Corporate Choose My Extras

$120.45

Optical included

Physio included

Dental included

Emergency ambulance covered

Excess

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