For procedures identified as Minimum Benefits, we will pay the rate set out by the Commonwealth as the minimum shared room benefit and benefits for Government approved Prostheses List items, if applicable.
Waiting Period: 1 day
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Waiting Period: 2 months
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Members who have held hospital cover for at least 2 months and upgrade to HCF Hospital Gold to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.
Waiting Period: 2 months
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Waiting Period: 2 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Minimum benefits covered
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Limited Benefits apply. Default Benefit level payable by HCF for Hospital Treatment as determined under the Private Health Insurance Act.
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 12 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.
Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.
When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.
If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.
Included means services and treatments are covered and you'll have less out-of-pocket expenses.
For procedures identified as Minimum Benefits, we will pay the rate set out by the Commonwealth as the minimum shared room benefit and benefits for Government approved Prostheses List items, if applicable.
Waiting Period: 1 day
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Waiting Period: 2 months
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Members who have held hospital cover for at least 2 months and upgrade to HCF Hospital Gold to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.
Waiting Period: 2 months
This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.
Waiting Period: 2 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Minimum benefits covered
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Limited Benefits apply. Default Benefit level payable by HCF for Hospital Treatment as determined under the Private Health Insurance Act.
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 12 months
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
Waiting Period: 2 months
(12 mths pre-existing)
In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.
Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.
When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.
If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.
Restricted means hospital benefits are limited and you may have higher out-of-pocket expenses for these services and treatments.
In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.
Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.
When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.
If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.
Excluded means no hospital benefits are payable and you'll pay all out-of-pocket expenses for these services and treatments.
In Australia, hospital cover is categorised as either Gold, Silver, Bronze or Basic. Hospital cover gives you more control if you need to go to hospital – like getting treated sooner by a doctor of your choice. We offer cover for singles, couples and families. If your situation changes down the track we can help you find cover that suits your new needs.
Hospital waiting periods vary according to the type of treatment or service. If you’re new to private health insurance, rejoining after a break in cover, upgrading to a higher level of cover, or changing your excess, you’ll have to wait before claiming on certain treatment and services.
When you take out hospital cover you’ll be asked to choose your excess. This is the amount you agree to pay if you’re admitted to hospital for planned treatment.
If you choose a higher excess, you’ll lower the cost of your cover. Choosing a lower, or zero excess, means you’ll pay less if you go to hospital, but the cost of your cover will be more.
