HCF FLEX MY EXTRAS
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
HCF FLEX MY EXTRAS
$81.18
60% back on general dental
60% back on optical
60% back on physio
60% back on acupuncture
Emergency ambulance covered
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Acupuncture
Pricing & Value
- Monthly premium from
- $68.76
- 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
9 covered18 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
General Dental
$650/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 YouExtraction: 60% back
Endodontic
-Major Dental
-Orthodontic
-Optical
$175/person2 mo
Single Vision Lenses: 60% backMulti-Focal Lenses: 60% back
Orthoptics
-Acupuncture
$650/person2 mo
1st visit: 60% backNext visit: 60% back
Chinese Herbal Medicine
$650/person2 mo
1st visit: 60% backNext visit: 60% back
Exercise Physiology
$650/person2 mo
1st visit: 60% backNext visit: 60% back
Physiotherapy
$650/person2 mo
1st visit: 60% backNext visit: 60% back
Remedial Massage
$100/person2 mo
1st visit: 60% backNext visit: 60% back
Chiropractic
-Occupational Therapy
-Osteopathy
-Psychology
-Speech Therapy
-Dietetics
$650/person2 mo
1st visit: 60% backNext visit: 60% back
Antenatal/Postnatal
-Audiology
-Hearing Aids
-Home Nursing
-Orthotics
-Podiatry
-Vaccinations
$650/person2 mo
Vaccination: 60% back
Glucose Monitor
-Health Management
-Non-PBS Pharmaceuticals
-HCF
HCF FLEX MY EXTRAS
$81.18
60% back on general dental
60% back on optical
60% back on physio
60% back on acupuncture
Emergency ambulance covered
Excess
Frequently Asked Questions
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