HCF ULTIMATE EXTRAS
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
HCF ULTIMATE EXTRAS
$129.70
Optical included
Physiotherapy included
Dental included
Hearing aids included
Emergency ambulance covered
Excess
Extras claim back
No gap on selected services
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $105.24
- Excess
- $0
- More for You benefit
- No gap on selected services
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
$1,300/policy1 yr
Root Canal Therapy: $200
General Dental
Unlimited2 mo
Periodic Exam: $42 or no gap at More for YouScale & Clean: $82 or no gap at More for YouFluoride: $30 or no gap at More for You
Major Dental
$1,300/policy1 yr
Extraction: $220Full Crown (Veneered): $1071
Orthodontic
$800/policy1 yr
Braces (Upper & Lower): $800
Optical
$300/policy2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Acupuncture
$500/policy2 mo
1st visit: $45Next visit: $45
Chinese Herbal Medicine
$500/policy2 mo
1st visit: $45Next visit: $45
Chiropractic
$450/policy2 mo
1st visit: $50Next visit: $40
Exercise Physiology
$900/policy2 mo
1st visit: $40Next visit: $40
Occupational Therapy
$900/policy2 mo
1st visit: $72Next visit: $72
Osteopathy
$450/policy2 mo
1st visit: $62Next visit: $57
Physiotherapy
$900/policy2 mo
1st visit: $66Next visit: $57
Psychology
$900/policy2 mo
1st visit: $78Next visit: $78
Remedial Massage
$500/policy2 mo
1st visit: $45Next visit: $45
Speech Therapy
$600/policy2 mo
1st visit: $83Next visit: $83
Audiology
$600/policy2 mo
1st visit: $75Next visit: $75
Dietetics
$600/policy2 mo
1st visit: $59Next visit: $59
Hearing Aids
$800/policy1 yr
Hearing Aid: $800
Orthotics
$600/policy1 yr
Orthotics: $139
Podiatry
$600/policy2 mo
1st visit: $43Next visit: $38
Antenatal/Postnatal
-Home Nursing
-Glucose Monitor
$59/policy1 yr
Glucose Monitor: $59
Health Management
$175/policy2 mo
Health Management: $150
Non-PBS Pharmaceuticals
$280/policy2 mo
Prescription: $50
Vaccinations
$280/policy2 mo
Vaccination: $50
HCF
HCF ULTIMATE EXTRAS
$129.70
Optical included
Physiotherapy included
Dental included
Hearing aids included
Emergency ambulance covered
Excess
Extras claim back
No gap on selected services
Frequently Asked Questions
I need cover for...