HCF Choose My Extras
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
HCF Choose My Extras
$107.79
60% back on general dental
60% back on major dental
60% back on orthodontics
Optical included
Emergency ambulance covered
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $82.11
- 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
20 covered7 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
$500/person1 yr
Root Canal Therapy: 60% back
General Dental
$350/person2 mo
Periodic Exam: 60% back or no gap at More for YouScale & Clean: 60% back or no gap at More for YouFluoride: 60% back or no gap at More for You
Major Dental
$500/person1 yr
Extraction: 60% backFull Crown (Veneered): 60% back
Orthodontic
$450/person1 yr
Braces (Upper & Lower): 60% back
Optical
$225/person2 mo
Single Vision Lenses: 60% backMulti-Focal Lenses: 60% back
Orthoptics
-Acupuncture
$200/person2 mo
1st visit: 60% backNext visit: 60% back
Chinese Herbal Medicine
$200/person2 mo
1st visit: 60% backNext visit: 60% back
Chiropractic
$200/person2 mo
1st visit: 60% backNext visit: 60% back
Exercise Physiology
$350/person2 mo
1st visit: 60% backNext visit: 60% back
Occupational Therapy
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Osteopathy
$200/person2 mo
1st visit: 60% backNext visit: 60% back
Physiotherapy
$350/person2 mo
1st visit: 60% backNext visit: 60% back
Psychology
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Remedial Massage
$200/person2 mo
1st visit: 60% backNext visit: 60% back
Speech Therapy
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Antenatal/Postnatal
$125/person2 mo
1st visit: 60% backNext visit: 60% back
Dietetics
$200/person2 mo
1st visit: 60% backNext visit: 60% back
Podiatry
$200/person2 mo
1st visit: 60% backNext visit: 60% back
Audiology
-Hearing Aids
-Home Nursing
-Orthotics
-Health Management
$125/person2 mo
Health Management: 60% back
Vaccinations
$180/person2 mo
Vaccination: 60% back
Glucose Monitor
-Non-PBS Pharmaceuticals
-HCF
HCF Choose My Extras
$107.79
60% back on general dental
60% back on major dental
60% back on orthodontics
Optical included
Emergency ambulance covered
Excess
Frequently Asked Questions
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