Health Insurance

HCF MY FAMILY SILVER PLUS

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

HCF logo

HCF

HCF MY FAMILY SILVER PLUS

$144.43

Pregnancy and birth covered

Back, neck and spine covered

Emergency ambulance covered

Optical included

Dental included

Excess

Why this cover

Hospital Cover
  • Heart & Vascular
  • Brain & Nervous System
  • Eye (Not Cataracts)
  • Ear, Nose & Throat
Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$144.43
Excess
$750
Hospital tier
SilverPlus
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

30 covered7 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine

Extras Cover

16 covered11 not covered
Endodontic
$800/policy1 yr
Root Canal Therapy: $165
General Dental
$800/policy2 mo
Periodic Exam: $33Scale & Clean: $63Fluoride: $27
Major Dental
$800/policy1 yr
Extraction: $167Full Crown (Veneered): $600
Orthodontic
-
Optical
$200/policy2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-
Acupuncture
$800/policy2 mo
1st visit: $36Next visit: $36
Chinese Herbal Medicine
$800/policy2 mo
1st visit: $36Next visit: $36
Chiropractic
$800/policy2 mo
1st visit: $38Next visit: $33
Exercise Physiology
$800/policy2 mo
1st visit: $33Next visit: $33
Osteopathy
$800/policy2 mo
1st visit: $46Next visit: $39
Physiotherapy
$800/policy2 mo
1st visit: $56Next visit: $49
Psychology
$800/policy2 mo
1st visit: $50Next visit: $50
Remedial Massage
$800/policy2 mo
1st visit: $36Next visit: $36
Occupational Therapy
-
Speech Therapy
-
Dietetics
$800/policy2 mo
1st visit: $35Next visit: $35
Antenatal/Postnatal
-
Audiology
-
Hearing Aids
-
Home Nursing
-
Orthotics
-
Podiatry
-
Health Management
$800/policy2 mo
Health Management: $110
Non-PBS Pharmaceuticals
$800/policy2 mo
Prescription: $50
Vaccinations
$800/policy2 mo
Vaccination: $50
Glucose Monitor
-
HCF logo

HCF

HCF MY FAMILY SILVER PLUS

$144.43

Pregnancy and birth covered

Back, neck and spine covered

Emergency ambulance covered

Optical included

Dental included

Excess

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