HCF CORPORATE FLEXI 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, NT, 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 10 services for $52.31 a month. Of the 396 other policies, 80 cost less and 316 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 | $52.31 | $104.62 | $105.66 | $83.69 | $135.27 | $107.13 |
| VIC | $57.06 | $114.12 | $115.26 | $91.29 | $147.55 | $116.85 |
| QLD | $55.69 | $111.38 | $112.49 | $89.10 | $144.01 | $114.05 |
| SA | $55.44 | $110.88 | $111.98 | $88.70 | $143.36 | $113.54 |
| WA | $52.71 | $105.42 | $106.47 | $84.33 | $136.30 | $107.95 |
| TAS | $48.10 | $96.20 | $97.16 | $76.96 | $124.38 | $98.50 |
| NT | $37.28 | $74.56 | $75.30 | $59.64 | $96.40 | $76.34 |
Pays towards 10 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with 8 other services$600typical policy $800
- Optical$180typical policy $220
- Physiotherapyshared with 8 other services$600typical policy $450
- Chiropracticshared with 8 other services$600typical 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
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit60% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $600shared with 8 other services | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60% |
| Optical | 2 months | $180 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Physiotherapy | 2 months | $600shared with 8 other services | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropractic | 2 months | $600shared with 8 other services | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Remedial massage | 2 months | $600shared with 8 other services | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Dietetics | 2 months | $600shared with 8 other services | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiology | 2 months | $600shared with 8 other services | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Health management programs | 2 months | $600shared with 8 other services | Health management program: 60% |
| Osteopathy | 2 months | $600shared with 8 other services | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
| Vaccinations | 2 months | $600shared with 8 other services | Vaccination: 60% |
Not covered: major dental, endodontic (root canals), orthodontics, non-pbs medicines, podiatry, psychology, acupuncture, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, orthoptics, home nursing, occupational therapy, orthotics, speech therapy.
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.
From the insurer: Features a combined limit of $600, with a separate optical limit of $180 per person per calendar year. Includes a range of no-gap services delivered through participating dental providers in selected states, depending on level of cover.
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.