HCF CORPORATE FLEXI EXTRAS ADVANCED
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 23 services for $98.87 a month. Of the 396 other policies, 229 cost less and 127 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 | $98.87 | $197.74 | $199.71 | $158.19 | $255.67 | $202.48 |
| VIC | $108.85 | $217.70 | $219.87 | $174.16 | $281.48 | $222.92 |
| QLD | $104.55 | $209.10 | $211.19 | $167.28 | $270.36 | $214.11 |
| SA | $105.46 | $210.92 | $213.02 | $168.73 | $272.71 | $215.98 |
| WA | $103.65 | $207.30 | $209.37 | $165.84 | $268.03 | $212.27 |
| TAS | $90.21 | $180.42 | $182.22 | $144.33 | $233.28 | $184.75 |
| NT | $84.29 | $168.58 | $170.26 | $134.86 | $217.97 | $172.62 |
Pays towards 23 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with 21 other services$850typical policy $800
- Major dentalshared with 21 other services$850typical policy $1,000
- Optical$225typical policy $220
- Physiotherapyshared with 21 other services$850typical policy $450
- Chiropracticshared with 21 other services$850typical policy $400
- Psychologyshared with 21 other services$850typical 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 frames100% 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 | $850shared with 21 other services | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60% |
| Major dental | 12 months | $850shared with 21 other services | Full crown, veneered (item 615): 60% |
| Endodontic (root canals) | 12 months | $850shared with 21 other services | Root canal filling (item 417): 60% |
| Orthodontics | 12 months | $850shared with 21 other services | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 2 months | $225 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $850shared with 21 other services | Non-PBS prescription: 60% |
| Physiotherapy | 2 months | $850shared with 21 other services | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropractic | 2 months | $850shared with 21 other services | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Podiatry | 2 months | $850shared with 21 other services | Podiatry, first visit: 60%Podiatry, later visit: 60% |
| Psychology | 2 months | $850shared with 21 other services | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupuncture | 2 months | $850shared with 21 other services | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massage | 2 months | $850shared with 21 other services | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Antenatal and postnatal | 2 months | $850shared with 21 other services | Antenatal and postnatal, first visit: 60%Antenatal and postnatal, later visit: 60% |
| Chinese herbal medicine | 2 months | $850shared with 21 other services | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Dietetics | 2 months | $850shared with 21 other services | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiology | 2 months | $850shared with 21 other services | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Orthoptics | 2 months | $850shared with 21 other services | Orthoptics, first visit: 60%Orthoptics, later visit: 60% |
| Health management programs | 2 months | $850shared with 21 other services | Health management program: 60% |
| Occupational therapy | 2 months | $850shared with 21 other services | Occupational therapy, first visit: 60%Occupational therapy, later visit: 60% |
| Orthotics | 12 months | $850shared with 21 other services | Orthotics: 60% |
| Osteopathy | 2 months | $850shared with 21 other services | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
| Speech therapy | 2 months | $850shared with 21 other services | Speech therapy, first visit: 60%Speech therapy, later visit: 60% |
| Vaccinations | 2 months | $850shared with 21 other services | Vaccination: 60% |
Not covered: hearing aids, blood glucose monitors, audiology, 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 is shared with the limit of Psychology.
From the insurer: Offers a combined annual limit of $850, plus a separate optical limit of $180 per person per calendar year and orthodontic limits of $850 per person per year, with a lifetime orthodontic limit of $1,800. Includes a range of no‑gap services available 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.
Compare
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.