HCF CORPORATE CLASSIC PREMIUM EXTRAS
An extras policy from HCF.
- Corporate policy, sold through employers and associations.
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, NSW & ACT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 26 services for $126.91 a month. Of the 396 other policies, 296 cost less and 10 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 | $126.91 | $253.82 | $256.35 | $203.05 | $328.18 | $259.91 |
| VIC | $142.59 | $285.18 | $288.03 | $228.14 | $368.73 | $292.02 |
| QLD | $141.07 | $282.14 | $284.96 | $225.71 | $364.80 | $288.91 |
| SA | $139.96 | $279.92 | $282.71 | $223.93 | $361.93 | $286.63 |
| WA | $145.52 | $291.04 | $293.95 | $232.83 | $376.31 | $298.02 |
| TAS | $136.49 | $272.98 | $275.70 | $218.38 | $352.96 | $279.53 |
| NT | $136.49 | $272.98 | $275.70 | $218.38 | $352.96 | $279.53 |
Pays towards 26 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$700typical policy $800
- Major dentalshared with endodontic (root canals)$950typical policy $1,000
- Optical$250typical policy $220
- Physiotherapyshared with exercise physiology$500typical policy $450
- Chiropracticshared with osteopathy$400typical policy $400
- Psychology$450typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)70% of the feetypical policy $35.20
- Scale and clean (item 114)70% of the feetypical policy $66.85
- Full crown, veneered (item 615)70% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit70% of the feetypical policy $42.00
- Psychology, first visit70% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $700 | Periodic oral exam (item 012): 70%Scale and clean (item 114): 70%Fluoride treatment (item 121): 70%Simple extraction (item 322): 70% |
| Major dental | 12 months | $950shared with endodontic (root canals) | Full crown, veneered (item 615): 70% |
| Endodontic (root canals) | 12 months | $950shared with major dental | Root canal filling (item 417): 70% |
| Orthodontics | 12 months | $800, $1,800 lifetime | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 2 months | $250 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $300shared with vaccinations | Non-PBS prescription: 70% |
| Physiotherapy | 2 months | $500shared with exercise physiology | Physiotherapy, first visit: 70%Physiotherapy, later visit: 70% |
| Chiropractic | 2 months | $400shared with osteopathy | Chiropractic, first visit: 70%Chiropractic, later visit: 70% |
| Podiatry | 2 months | $300shared with orthotics | Podiatry, first visit: 70%Podiatry, later visit: 70% |
| Psychology | 2 months | $450 | Psychology, first visit: 70%Psychology, later visit: 70% |
| Acupuncture | 2 months | $200shared with chinese herbal medicine | Acupuncture, first visit: 70%Acupuncture, later visit: 70% |
| Remedial massage | 2 months | $200 | Remedial massage, first visit: 70%Remedial massage, later visit: 70% |
| Hearing aids | 12 months | $600, 1 every 3 years | Hearing aid: 70% |
| Blood glucose monitors | 12 months | $300, 1 every 3 years | Blood glucose monitor: 70% |
| Audiology | 2 months | $200 | Audiology, first visit: 70%Audiology, later visit: 70% |
| Antenatal and postnatal | 2 months | $200 | Antenatal and postnatal, first visit: 70%Antenatal and postnatal, later visit: 70% |
| Chinese herbal medicine | 2 months | $200shared with acupuncture | Chinese herbal medicine, first visit: 70%Chinese herbal medicine, later visit: 70% |
| Dietetics | 2 months | $250 | Dietetics, first visit: 70%Dietetics, later visit: 70% |
| Exercise physiology | 2 months | $500shared with physiotherapy | Exercise physiology, first visit: 70%Exercise physiology, later visit: 70% |
| Orthoptics | 2 months | $200 | Orthoptics, first visit: 70%Orthoptics, later visit: 70% |
| Health management programs | 2 months | $200 | Health management program: 70% |
| Occupational therapy | 2 months | $300 | Occupational therapy, first visit: 70%Occupational therapy, later visit: 70% |
| Orthotics | 12 months | $300shared with podiatry | Orthotics: 70% |
| Osteopathy | 2 months | $400shared with chiropractic | Osteopathy, first visit: 70%Osteopathy, later visit: 70% |
| Speech therapy | 2 months | $200 | Speech therapy, first visit: 70%Speech therapy, later visit: 70% |
| Vaccinations | 2 months | $300shared with non-pbs medicines | Vaccination: 70% |
Not covered: home nursing.
Other services: Includes mental health services such as, HCF-approved counselling, accredited mental health social worker - includes group/individual consultations and HCF-approved Online Cognitive Behavioural Therapy courses. This would be combined with the Psychology limit.
Maximum of 2 dental check-ups a year with 100% back at More for Teeth dentists in our No-Gap network that doesn't count towards your annual limits (excludes fluoride treatment on second check-up). For Teeth whitening, this has a service limit of an in-chair treatment with a maximum of 8 teeth/session or 1 take-home kit; this applies every 36 months.
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.