HCF STARTER 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, NT, 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 7 services for $18.12 a month. Of the 214 other policies, 5 cost less and 182 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 | $18.12 | $36.24 | $36.60 | $28.99 | $46.38 | $37.10 |
| VIC | $20.30 | $40.60 | $41.00 | $32.48 | $51.96 | $41.57 |
| QLD | $22.29 | $44.58 | $45.02 | $35.66 | $57.06 | $45.64 |
| SA | $22.14 | $44.28 | $44.72 | $35.42 | $56.67 | $45.34 |
| WA | $18.46 | $36.92 | $37.28 | $29.53 | $47.25 | $37.80 |
| TAS | $14.75 | $29.50 | $29.79 | $23.60 | $37.76 | $30.20 |
| NT | $12.56 | $25.12 | $25.37 | $20.09 | $32.15 | $25.72 |
Pays towards 7 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$350typical policy $800
- Physiotherapyshared with 5 other services$150typical policy $450
- Chiropracticshared with 5 other services$150typical 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
- Physiotherapy, first visit$40.00typical policy $42.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $350 | $700 | Periodic oral exam (item 012): $29.00Scale and clean (item 114): $57.00Fluoride treatment (item 121): $25.00 |
| Physiotherapy | 2 months | $150shared with 5 other services | $300 | Physiotherapy, first visit: $40.00Physiotherapy, later visit: $35.00 |
| Chiropractic | 2 months | $150shared with 5 other services | $300 | Chiropractic, first visit: $33.00Chiropractic, later visit: $28.00 |
| Acupuncture | 2 months | $150shared with 5 other services | $300 | Acupuncture, first visit: $30.00Acupuncture, later visit: $30.00 |
| Remedial massage | 2 months | $150shared with 5 other services | $300 | Remedial massage, first visit: $30.00Remedial massage, later visit: $30.00 |
| Chinese herbal medicine | 2 months | $150shared with 5 other services | $300 | Chinese herbal medicine, first visit: $30.00Chinese herbal medicine, later visit: $30.00 |
| Osteopathy | 2 months | $150shared with 5 other services | $300 | Osteopathy, first visit: $40.00Osteopathy, later visit: $36.00 |
Not covered: major dental, endodontic (root canals), orthodontics, optical, non-pbs medicines, podiatry, psychology, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, dietetics, exercise physiology, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy. Other services include simple extractions, direct fillings (1-2 surfaces) and In chair teeth whitening treatment provided by a dentist with a service limit of an in-chair treatment -max 8 teeth/session; applies every 36 months, under the combined general dental limit. Myotherapy service under the combined physiotherapy, chiropractic, osteopathy and natural therapy limit.
From the insurer: A basic extras option that covers general dental and selected therapies at a budget-friendly, entry level price.
General dental includes 100% back on 1 check-up at participating providers and subject to annual limit.
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.