HCF FLEX 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 9 services for $40.59 a month. Of the 214 other policies, 37 cost less and 162 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.
Pays towards 9 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with 6 other services$650typical policy $800
- Optical$175typical policy $220
- Physiotherapyshared with 6 other services$650typical policy $450
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 frames60% 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 | $650shared with 6 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 | $175 | Multifocal lenses and frames: 60%Single vision lenses and frames: 60% |
| Physiotherapyconditions apply | 2 months | $650shared with 6 other services | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Acupunctureconditions apply | 2 months | $650shared with 6 other services | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massage | 2 months | $100 | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Chinese herbal medicineconditions apply | 2 months | $650shared with 6 other services | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Dieteticsconditions apply | 2 months | $650shared with 6 other services | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiologyconditions apply | 2 months | $650shared with 6 other services | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Vaccinationsconditions apply | 2 months | $650shared with 6 other services | Vaccination: 60% |
Not covered: major dental, endodontic (root canals), orthodontics, non-pbs medicines, chiropractic, podiatry, psychology, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, orthoptics, health management programs, home nursing, occupational therapy, orthotics, osteopathy, speech therapy.
Preventative dental is not counted against the dental limit.
Other services: Features a combined limit, with a separate optical, remedial massage and myotherapy limit. Offers digital mental health service, HCF-approved Online Cognitive Behavioural Therapy courses and teeth whitening (2 and 12 months wait period).
From the insurer: Features a combined limit of $650, with a separate optical limit of $175 and a separate remedial massage and myotherapy limit of $100, both 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.
Features a combined limit of $650 per person per calendar year. General dental includes 100% back on 1 check-up, 1 scale and clean and 1 fluoride at participating No Gap providers and subject to annual limit. Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit HCF pay on services included in your Flex My Extras cover.
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.