HCF Hospital Optimal Gold
Compare 159 HCF policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HCF
HCF Hospital Optimal Gold
$987.97
Pregnancy and birth covered
Joint replacements covered
Weight loss surgery covered
Emergency ambulance covered
Hospital psychiatric covered
Excess
Why this cover
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Cataracts
Pricing & Value
- Monthly premium from
- $530.03
- Excess
- $750
- Hospital tier
- Gold
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
38 covered0 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine
Extras Cover
HCF
HCF Hospital Optimal Gold
$987.97
Pregnancy and birth covered
Joint replacements covered
Weight loss surgery covered
Emergency ambulance covered
Hospital psychiatric covered
Excess
Frequently Asked Questions
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