HCF extras cover
Is HCF Starter Extras worth it?
For one adult in NSW, it pays back more than it costs in one of the three ways of using extras worked through below, and costs more than it pays back in the other two. It is $18.12 a month before the rebate, $13.75 after.
Three ways of using it
Worked for one adult in NSW, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$136 behind
That costs $200 with no cover. On this policy you’d pay $165 in premiums and get $29 back.
10th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $126 better off over the year.
Two dental visits and new glasses
$107 behind
That costs $700 with no cover. On this policy you’d pay $165 in premiums and get $58 back. It pays nothing towards optical.
Against the 189 policies from funds anyone can join that cover this, it would sit 29th. Latrobe’s Core Essential Extras does best, $156 better off over the year.
Two dental visits, new glasses and six physio sessions
+$43 ahead
That costs $1,240 with no cover. On this policy you’d pay $165 in premiums and get $208 back. It pays nothing towards optical.
Against the 181 policies from funds anyone can join that cover this, it would sit 45th. HCF’s Flex My Extras does best, $326 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | $29 a visit | $350 | 2 months |
| Physiotherapy | $40 a visit first, then $35 a visit | $150shared with chiropractic, acupuncture, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Chiropractic | $33 a visit first, then $28 a visit | $150shared with physiotherapy, acupuncture, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Acupuncture | $30 a visit | $150shared with physiotherapy, chiropractic, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Remedial Massage | $30 a visit | $150shared with physiotherapy, chiropractic, acupuncture, chinese herbal medicine and osteopathy | 2 months |
| Chinese Herbal Medicine | $30 a visit | $150shared with physiotherapy, chiropractic, acupuncture, remedial massage and osteopathy | 2 months |
| Osteopathy | $40 a visit first, then $36 a visit | $150shared with physiotherapy, chiropractic, acupuncture, remedial massage and chinese herbal medicine | 2 months |
As listed for one adult in NSW. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
Conditions to know
Higher benefits may require using specific providers or networks.
Limits are shared across all members on this policy, not per person.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $18.12 | $36.24 | $36.60 | $28.99 |
| VIC | $20.30 | $40.60 | $41.00 | $32.48 |
| QLD | $22.29 | $44.58 | $45.02 | $35.66 |
| WA | $18.46 | $36.92 | $37.28 | $29.53 |
| SA | $22.14 | $44.28 | $44.72 | $35.42 |
| TAS | $14.75 | $29.50 | $29.79 | $23.60 |
| NT | $12.56 | $25.12 | $25.37 | $20.09 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 ahead
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. Product code I20/NGEO10 on privatehealth.gov.au. 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.