HCF CORPORATE SELECT 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 24 services for $94.06 a month. Of the 396 other policies, 222 cost less and 71 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 | $94.06 | $188.12 | $190.00 | $150.49 | $243.23 | $192.63 |
| VIC | $103.55 | $207.10 | $209.17 | $165.68 | $267.78 | $212.07 |
| QLD | $99.47 | $198.94 | $200.92 | $159.15 | $257.22 | $203.71 |
| SA | $100.33 | $200.66 | $202.66 | $160.52 | $259.45 | $205.47 |
| WA | $98.61 | $197.22 | $199.19 | $157.77 | $255.00 | $201.95 |
| TAS | $85.83 | $171.66 | $173.37 | $137.32 | $221.95 | $175.77 |
| NT | $80.19 | $160.38 | $161.98 | $128.30 | $207.37 | $164.22 |
Pays towards 24 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$700typical policy $800
- Major dentalshared with endodontic (root canals)$750typical policy $1,000
- Optical$250typical policy $220
- Physiotherapyshared with exercise physiology$500typical policy $450
- Chiropracticshared with osteopathy$400typical policy $400
- Psychology$400typical 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 | $700 | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60% |
| Major dentalconditions apply | 12 months | $750shared with endodontic (root canals) | Full crown, veneered (item 615): 60% |
| Endodontic (root canals)conditions apply | 12 months | $750shared with major dental | Root canal filling (item 417): 60% |
| Orthodonticsconditions apply | 12 months | $800, $1,800 lifetime | Braces, upper and lower, with retainer (item 881): 100% |
| Opticalconditions apply | 2 months | $250 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicinesconditions apply | 2 months | $400shared with vaccinations | Non-PBS prescription: 60% |
| Physiotherapyconditions apply | 2 months | $500shared with exercise physiology | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropracticconditions apply | 2 months | $400shared with osteopathy | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Podiatryconditions apply | 2 months | $300shared with orthotics | Podiatry, first visit: 60%Podiatry, later visit: 60% |
| Psychologyconditions apply | 2 months | $400 | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupunctureconditions apply | 2 months | $200shared with chinese herbal medicine | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massageconditions apply | 2 months | $225 | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Blood glucose monitors | 12 months | $400, 1 every 3 years | Blood glucose monitor: 60% |
| Antenatal and postnatalconditions apply | 2 months | $350 | Antenatal and postnatal, first visit: 60%Antenatal and postnatal, later visit: 60% |
| Chinese herbal medicineconditions apply | 2 months | $200shared with acupuncture | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Dieteticsconditions apply | 2 months | $300 | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiologyconditions apply | 2 months | $500shared with physiotherapy | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Orthopticsconditions apply | 2 months | $300 | Orthoptics, first visit: 60%Orthoptics, later visit: 60% |
| Health management programsconditions apply | 2 months | $250 | Health management program: 60% |
| Occupational therapyconditions apply | 2 months | $300 | Occupational therapy, first visit: 60%Occupational therapy, later visit: 60% |
| Orthoticsconditions apply | 12 months | $300shared with podiatry | Orthotics: 60% |
| Osteopathyconditions apply | 2 months | $400shared with chiropractic | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
| Speech therapyconditions apply | 2 months | $300 | Speech therapy, first visit: 60%Speech therapy, later visit: 60% |
| Vaccinationsconditions apply | 2 months | $400shared with non-pbs medicines | Vaccination: 60% |
Not covered: hearing aids, audiology, home nursing.
Other services: 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 asterisk‑marked services. Major Dental and Endodontic count as one selection; Chiropractic and Osteopathy as one; Physio and Exercise Physiology as one; and Mental Health Services—including Psychology, OCBT, Social Work and Counselling—count as one. Remedial Massage and Myotherapy count as one, Chinese Herbal Medicine and Acupuncture count as one, Vaccinations and non‑PBS pharmaceuticals count as one, Podiatry and Orthotics (podiatric orthoses) count as one. General Dental includes 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 annual limits (excludes fluoride treatment on second check-up)
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.