HCF MY FUTURE BASIC PLUS
A Basic Plus hospital and 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, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $250, $500, $750
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other Basic hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Basic95 policies$145.046th cheapest of 95
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.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- $250 excess$178.25
- $500 excess$15.74 less than $250 excess$162.51
- $750 excess$33.21 less than $250 excess$145.04
$250 excessat most $500 a year for couples and families
$500 excessat most $1,000 a year for couples and families
10 of 38 clinical categories covered in full, 3 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full10
- Restricted3
- Not covered25
Covered 10
- Bone, joint and muscle
- Dental surgery
- Ear, nose and throat
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Miscarriage and termination of pregnancy
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted 3
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered 25
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $250, $500, $750, paid when you are admitted. No excess for accidents.
From the insurer: An affordable and combined hospital and extras package designed for healthy young singles and couples without dependant kids. No excess for accident related treatment. Includes involuntary unemployment assistance, accident safeguard, travel and accommodation benefits for hospital admissions and cover for unlimited emergency ambulance trips. See fund rules for more information. Access to over 100 exclusive offers through HCF Thank You program. For more information visit: www.hcf.com.au/thankyou.
Pays towards 13 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with 11 other services$900typical policy $800
- Major dentalshared with 11 other services$900typical policy $1,000
- Optical$180typical policy $220
- Physiotherapyshared with 11 other services$900typical policy $450
- Chiropracticshared with 11 other services$900typical policy $400
- Psychologyshared with 11 other services$900typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$29.00typical policy $35.20
- Scale and clean (item 114)$57.00typical policy $66.85
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$38.00typical policy $42.00
- Psychology, first visit$35.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $900shared with 11 other services | Periodic oral exam (item 012): $29.00Scale and clean (item 114): $57.00Fluoride treatment (item 121): $25.00 |
| Major dentalconditions apply | 12 months | $900shared with 11 other services | Surgical extraction (item 322): $156.00 |
| Endodontic (root canals)conditions apply | 12 months | $900shared with 11 other services | Root canal filling (item 417): $138.00 |
| Optical | 2 months | $180 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Physiotherapyconditions apply | 2 months | $900shared with 11 other services | Physiotherapy, first visit: $38.00Physiotherapy, later visit: $32.00 |
| Chiropracticconditions apply | 2 months | $900shared with 11 other services | Chiropractic, first visit: $30.00Chiropractic, later visit: $26.00 |
| Psychologyconditions apply | 2 months | $900shared with 11 other services | Psychology, first visit: $35.00Psychology, later visit: $35.00 |
| Acupunctureconditions apply | 2 months | $900shared with 11 other services | Acupuncture, first visit: $30.00Acupuncture, later visit: $30.00 |
| Remedial massageconditions apply | 2 months | $900shared with 11 other services | Remedial massage, first visit: $27.00Remedial massage, later visit: $27.00 |
| Chinese herbal medicineconditions apply | 2 months | $900shared with 11 other services | Chinese herbal medicine, first visit: $30.00Chinese herbal medicine, later visit: $30.00 |
| Exercise physiologyconditions apply | 2 months | $900shared with 11 other services | Exercise physiology, first visit: $26.00Exercise physiology, later visit: $26.00 |
| Osteopathyconditions apply | 2 months | $900shared with 11 other services | Osteopathy, first visit: $38.00Osteopathy, later visit: $36.00 |
| Vaccinationsconditions apply | 2 months | $900shared with 11 other services | Vaccination: $50.00 |
Not covered: orthodontics, non-pbs medicines, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, dietetics, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy.
Other services: Features a combined limit, with a separate optical limit. Includes a range of no-gap services delivered through participating physiotherapists and optical providers in selected states. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved online cognitive behavioural therapy courses). In chair treatment and home application teeth whitening provided by a dentist, service limits apply - in-chair treatment – max 8 teeth/session – or one take home kit; applies every 36 months.
Features a combined limit of $900 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. A higher psychology benefit ($55) may apply after Medicare Mental Health Treatment Plan is used 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.