HCF Choose My Extras
An extras policy from HCF.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement HCF files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, TAS, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 20 services for $67.37 a month. Of the 214 other policies, 96 cost less and 75 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $67.37 | $134.74 | $136.08 | $107.79 | $172.46 | $137.97 |
| VIC | $67.98 | $135.96 | $137.31 | $108.76 | $174.02 | $139.22 |
| QLD | $66.86 | $133.72 | $135.05 | $106.97 | $171.16 | $136.92 |
| SA | $68.18 | $136.36 | $137.72 | $109.08 | $174.54 | $139.63 |
| WA | $62.70 | $125.40 | $126.65 | $100.32 | $160.51 | $128.40 |
| TAS | $51.32 | $102.64 | $103.66 | $82.11 | $131.37 | $105.10 |
| NT | $51.42 | $102.84 | $103.86 | $82.27 | $131.63 | $105.30 |
Pays towards 20 of 27 standard services
A choose-your-own policy: members pick up to 4 of the services marked as optional.
Yearly limits, per person, against the typical policy
- General dental$350typical policy $800
- Major dentalshared with endodontic (root canals)$500typical policy $1,000
- Optical$225typical policy $220
- Physiotherapyshared with exercise physiology$350typical policy $450
- Chiropracticshared with osteopathy$200typical policy $400
- Psychology$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)60% of the feetypical policy $35.20
- Scale and clean (item 114)60% of the feetypical policy $66.85
- Full crown, veneered (item 615)60% of the feetypical policy $773.80
- Single vision lenses and frames60% of the feetypical policy $220.00
- Physiotherapy, first visit60% of the feetypical policy $42.00
- Psychology, first visit60% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $350 | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60% |
| Major dentalconditions apply | 12 months | $500shared with endodontic (root canals) | Surgical extraction (item 322): 60%Full crown, veneered (item 615): 60% |
| Endodontic (root canals)conditions apply | 12 months | $500shared with major dental | Root canal filling (item 417): 60% |
| Orthodonticsconditions apply | 12 months | $450, $1,950 lifetime | Braces, upper and lower, with retainer (item 881): 60% |
| Opticalconditions apply | 2 months | $225 | Multifocal lenses and frames: 60%Single vision lenses and frames: 60% |
| Physiotherapyconditions apply | 2 months | $350shared with exercise physiology | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropracticconditions apply | 2 months | $200shared with osteopathy | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Podiatryconditions apply | 2 months | $200 | Podiatry, first visit: 60%Podiatry, later visit: 60% |
| Psychologyconditions apply | 2 months | $300 | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupunctureconditions apply | 2 months | $200shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massageconditions apply | 2 months | $200shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Antenatal and postnatalconditions apply | 2 months | $125shared with health management programs | Antenatal and postnatal, first visit: 60%Antenatal and postnatal, later visit: 60% |
| Chinese herbal medicineconditions apply | 2 months | $200shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Dieteticsconditions apply | 2 months | $200 | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiologyconditions apply | 2 months | $350shared with physiotherapy | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Health management programsconditions apply | 2 months | $125shared with antenatal and postnatal | Health management program: 60% |
| Occupational therapyconditions apply | 2 months | $300shared with speech therapy | Occupational therapy, first visit: 60%Occupational therapy, later visit: 60% |
| Osteopathyconditions apply | 2 months | $200shared with chiropractic | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
| Speech therapyconditions apply | 2 months | $300shared with occupational therapy | Speech therapy, first visit: 60%Speech therapy, later visit: 60% |
| Vaccinationsconditions apply | 2 months | $180 | Vaccination: 60% |
Not covered: non-pbs medicines, hearing aids, blood glucose monitors, audiology, orthoptics, home nursing, orthotics.
Preventative dental is not counted against the dental limit.
Other services: Loyalty annual limits apply to selected services. Annual limits displayed are at Year 1 limits. Members have the flexibility to swap service selections as needed, within the calendar year, as long as a claim has not been made on that service. Waiting periods and fund rules apply.
Choose any 4 services marked with an asterisk* in the list below: Major Dental & Endodontic count as 1 selection, Chiropractic & Osteopathy count as 1 selection, Physio & Exercise Physiology count as 1 selection, Mental Health Services includes Psychology, OCBT, Social Worker, & Counselling and counts as 1 selection, Natural Therapies includes Remedial Massage, Myotherapy, Chinese Herbal Medicine & Acupuncture and counts as 1 selection, Ante-natal & Post-natal consultations are included in Health Management Programs. General dental includes 100% back on 1 check-up, 1 scale and clean and 1 fluoride at participating No Gap providers, subject to annual limit
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.