Extras cover
HCF extras cover: which policies are worth it?
HCF sells 7 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, one pays back more than it costs.
Every HCF extras policy
Each one worked for one adult in NSW unless marked, under 65, after the rebate, over a year at typical prices. The three columns are a year with one dental check-up a year; two dental visits and new glasses; two dental visits, new glasses and six physio sessions.
- Flex My Extras$250 behind+$45 ahead+$369 ahead$40.59 a month before the rebateA check-up$250 behindTeeth and glasses+$45 aheadTeeth, glasses, physio+$369 ahead
- Starter Extras (With Optical)$189 behind$60 behind+$140 ahead$23.94 a month before the rebateA check-up$189 behindTeeth and glasses$60 behindTeeth, glasses, physio+$140 ahead
- Starter Extras$136 behind$107 behind+$43 ahead$18.12 a month before the rebateA check-up$136 behindTeeth and glasses$107 behindTeeth, glasses, physio+$43 ahead
- Mid Extras$417 behind$184 behind+$110 ahead$49.40 a month before the rebateA check-up$417 behindTeeth and glasses$184 behindTeeth, glasses, physio+$110 ahead
- Choose My Extras$493 behind$193 behind+$131 ahead$67.37 a month before the rebateA check-up$493 behindTeeth and glasses$193 behindTeeth, glasses, physio+$131 ahead
- Vital Extras$739 behind$454 behind$160 behind$84.95 a month before the rebateA check-up$739 behindTeeth and glasses$454 behindTeeth, glasses, physio$160 behind
- Top Extras$982 behind$669 behind$345 behind$112.05 a month before the rebateA check-up$982 behindTeeth and glasses$669 behindTeeth, glasses, physio$345 behind
These are three set examples, not your year.
Put in what you actually use and the calculator ranks every policy from every fund, HCF included.
Work out mine →Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Corporate products and extras sold only with a hospital policy are left out. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.