Health Insurance

HCF ULTIMATE EXTRAS

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

HCF logo

HCF

HCF ULTIMATE EXTRAS

$105.24

Excess

Why this cover

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$105.24
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

24 covered3 not covered
Endodontic
$1,300/policy1 yr
Root Canal Therapy: $200
General Dental
Unlimited2 mo
Periodic Exam: $42Scale & Clean: $82Fluoride: $30
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 logo

HCF

HCF ULTIMATE EXTRAS

$105.24

Excess

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