HCF TOP 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 24 services for $112.05 a month. Of the 214 other policies, 170 cost less and 23 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 | $112.05 | $224.10 | $226.34 | $179.28 | $286.84 | $229.47 |
| VIC | $114.15 | $228.30 | $230.58 | $182.64 | $292.22 | $233.77 |
| QLD | $117.79 | $235.58 | $237.93 | $188.46 | $301.54 | $241.23 |
| SA | $129.63 | $259.26 | $261.85 | $207.40 | $331.85 | $265.48 |
| WA | $102.25 | $204.50 | $206.54 | $163.60 | $261.76 | $209.40 |
| TAS | $86.98 | $173.96 | $175.69 | $139.16 | $222.66 | $178.13 |
| NT | $94.86 | $189.72 | $191.61 | $151.77 | $242.84 | $194.27 |
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$1,000typical policy $1,000
- Optical$275typical policy $220
- Physiotherapyshared with exercise physiology$600typical policy $450
- Chiropracticshared with osteopathy$300typical policy $400
- Psychologyshared with occupational therapy$600typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$38.00typical policy $35.20
- Scale and clean (item 114)$76.00typical policy $66.85
- Full crown, veneered (item 615)$1,000.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$60.00typical policy $42.00
- Psychology, first visit$80.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | No annual limit | - | Periodic oral exam (item 012): $38.00Scale and clean (item 114): $76.00Fluoride treatment (item 121): $29.00 |
| Major dental | 12 months | $1,000shared with endodontic (root canals) | - | Surgical extraction (item 322): $210.00Full crown, veneered (item 615): $1,000.00 |
| Endodontic (root canals) | 12 months | $1,000shared with major dental | - | Root canal filling (item 417): $191.00 |
| Orthodontics | 12 months | $800, $2,400 lifetime | - | Braces, upper and lower, with retainer (item 881): $800.00 |
| Opticalconditions apply | 2 months | $275 | - | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $280shared with vaccinations | - | Non-PBS prescription: $50.00 |
| Physiotherapyconditions apply | 2 months | $600shared with exercise physiology | - | Physiotherapy, first visit: $60.00Physiotherapy, later visit: $54.00 |
| Chiropracticconditions apply | 2 months | $300shared with osteopathy | - | Chiropractic, first visit: $45.00Chiropractic, later visit: $38.00 |
| Podiatryconditions apply | 2 months | $250shared with 4 other services | - | Podiatry, first visit: $40.00Podiatry, later visit: $40.00 |
| Psychologyconditions apply | 2 months | $600shared with occupational therapy | - | Psychology, first visit: $80.00Psychology, later visit: $80.00 |
| Acupuncture | 2 months | $300shared with remedial massage, chinese herbal medicine | - | Acupuncture, first visit: $40.00Acupuncture, later visit: $40.00 |
| Remedial massage | 2 months | $300shared with acupuncture, chinese herbal medicine | - | Remedial massage, first visit: $40.00Remedial massage, later visit: $40.00 |
| Hearing aids | 12 months | $800, 1 every 3 years | - | Hearing aid: $800.00 |
| Blood glucose monitors | 12 months | $55 | $200 | Blood glucose monitor: $55.00 |
| Audiology | 2 months | $250shared with 4 other services | - | Audiology, first visit: $70.00Audiology, later visit: $70.00 |
| Chinese herbal medicine | 2 months | $300shared with acupuncture, remedial massage | - | Chinese herbal medicine, first visit: $40.00Chinese herbal medicine, later visit: $40.00 |
| Dietetics | 2 months | $250shared with 4 other services | - | Dietetics, first visit: $55.00Dietetics, later visit: $55.00 |
| Exercise physiology | 2 months | $600shared with physiotherapy | - | Exercise physiology, first visit: $40.00Exercise physiology, later visit: $40.00 |
| Health management programs | 2 months | $200 | $400 | Health management program: $200.00 |
| Occupational therapy | 2 months | $600shared with psychology | - | Occupational therapy, first visit: $72.00Occupational therapy, later visit: $72.00 |
| Orthotics | 12 months | $250shared with 4 other services | - | Orthotics: $130.00 |
| Osteopathyconditions apply | 2 months | $300shared with chiropractic | - | Osteopathy, first visit: $50.00Osteopathy, later visit: $43.00 |
| Speech therapy | 2 months | $250shared with 4 other services | - | Speech therapy, first visit: $83.00Speech therapy, later visit: $83.00 |
| Vaccinations | 2 months | $280shared with non-pbs medicines | - | Vaccination: $50.00 |
Not covered: antenatal and postnatal, orthoptics, home nursing.
Preventative dental is not counted against the dental limit.
Other services: Preventative and Diagnostic dental with service limits not in annual limits. In chair treatment teeth whitening provided by a dentist, service limits apply - in-chair treatment – max 8 teeth/session; applies every 36 months. Orthodontic limit for other dentists is $400 annual limit and a $1,200 lifetime limit. Increasing limits for some services, up to a maximum amount. Foot orthotics annual limit is capped at Year 1. Includes mental health services (psychology, HCF-approved counselling, accredited mental health social worker and HCF-approved OCBT courses). Travel & accommodation benefit $250/policy/year and school accident benefit $200/eligible person. Health management programs include HCF approved programs (e.g. exercise classes, group physio & group exercise physiology classes, weight management and learn to swim).
From the insurer: Many services have increasing limits with tenure, up to a maximum amount. See the HCF product summary for more information.
100% back on a range of no-gap services through HCF More for You programs, at HCF No Gap network providers and subject to annual limits. A higher psychology benefit ($120) may apply after Medicare Mental Health Treatment Plan is used up for the remainder of the calendar year.
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.