5 WAYS TOGET Value

Most treatments and services have annual limits – this is the maximum amount you can claim each year. Annual limits reset on 1 January each year. There are a few exceptions which, depending on your cover, you may be able to claim for every 1 to 3 years – such as hearing aids, dentures and some artificial appliances. Orthodontics has a life-time limit.

To learn more about your limits, check your cover by logging in to member services, calling us on 13 13 34 or visiting an HCF branch.

Go to an HCF More for Teeth provider and you can get 100% back on some of the most common diagnostic and preventive services, like 1 or 2 check-ups per calendar year, scale and clean and fluoride treatment (depending on your cover, and subject to your annual limits).

Our data* shows that HCF members with extras cover who don’t access our More For Teeth program are 1.5 times more likely to need major dental work than those that do. So it makes sense to use your preventive dental benefits.

Make sure you know which treatments and services you’re covered for and how much you can claim. Understanding your cover will help you avoid unexpected costs, and you might discover benefits you weren’t aware of.

Check your entitlements online at member services or through the HCF My Membership app. You can also call us on 13 13 34 or visit an HCF branch.

On certain levels of extras cover, you may be eligible to claim for a range of health programs, under your ‘Health Management’ benefit. These include weight management, exercise classes and gym memberships, childbirth education and breastfeeding support, quit smoking and more.

Have you had your blood pressure, cholesterol or blood sugar checked lately? These tests can provide insight into your heart health.

As a HCF member you can access free heart health checks at selected HCF branches thanks to the Victor Chang Cardiac Research Institute. Checks take just 10 minutes and you’ll get your results on the spot.