FLEX MY EXTRAS
- Affordable extras cover that flexes to your needs
- Flexible $650 single limit plus $175 optical limit
- 100% back* on 1 dental check-up a year through our No-Gap network
EXTRAS COVER MADE EASY
Health insurance doesn't have to be complicated. That’s where Flex My Extras comes in. It’s basic extras cover with a single limit plus an additional optical limit that helps you get more back on the extras you’ll actually use.
With Flex My Extras, you get:
A flexible $650 single limit plus $175 optical limit
100% back* on 1 dental check-up a year through our No-Gap network
Gap Bonus top up to reduce or eliminate out-of-pocket costs^
Teeth whitening+
Online mental health support#
HCF-approved vaccinations
LET'S GET FLEXIBLE
FLEXIBLE LIMIT
Spend on the services you’ll actually use with a flexible $650 single limit plus $175 optical limit per person, per calendar year.
60% BACK ON INCLUDED EXTRAS
Get more value from your cover with 60% back on included extras, up to your annual limit.
GAP BONUS TOP UP
Service not fully covered? Reduce or eliminate out-of-pocket costs for included extras by topping up the benefit we pay^.
100% BACK ON DENTAL
Get 100% back* on 1 dental check-up a year per person through our No-Gap network.
ONLINE MENTAL HEALTH SUPPORT
Take charge of your mental wellbeing with online support programs from This Way Up#.
TEETH WHITENING
Get your teeth professionally whitened by a dentist and say hello to a confident new smile. Service limits apply+.
INTRODUCING GAP BONUS
Top up the benefit we pay on services included in your Flex My Extras cover. The longer you stick with us, the more you’ll benefit. Gap Bonus kicks in after 12 months and increases each year that you’re a member with us, up to year 4^.
For more information, including which services are included, please read the Flex My Extras product summary.
WHY CHOOSE HCF
WE PUT OUR MONEY WHERE OUR MEMBERS ARE
An average of nearly 90c back on every dollar spent on premiums**.
100% BACK ON EXTRAS
100% back* on dental check-ups and other popular extras through our No-Gap network.
MOST CANSTAR AWARDED HEALTH FUND
Proud winner of 11 Canstar Health Insurance Awards in 2023, including Outstanding Value Health Insurance 8 years in a row++.
EASILY SWITCH TO HCF
STEP 1
Choose the cover that works for you
STEP 2
Complete your quote and application
Switch now
STEP 3
We’ll do the rest, including contacting your current provider
FAQs
What are the annual limits?
Flex My Extras has a combined annual limit of $650 per person per calendar year. You can use your limit on any covered extras service. Optical has a separate limit of $175 per person per calendar year. Through our No-Gap network, you also get 100% back on 1 dental check up, scale and clean and fluoride treatment per person per calendar year (which doesn’t affect your $650 annual limit).
How much do I get back?
With Flex My Extras, you get a percentage back benefit on any covered extras service. The amount you get back in benefits is 60%, up to your annual limit. For example: you attend a consultation with a physiotherapist and they charge you $80. With Flex My Extras, you’ll get $48 back if you haven't reached your $650 annual limit. Through our No-Gap network, you also get 100% back on 1 dental check up, scale and clean and fluoride treatment per person per calendar year.
Are there waiting periods?
If you’re new to health insurance, or your previous health insurance didn’t cover a particular service, you’ll need to wait before you can claim. Waiting periods vary depending on the service – head over to the product summary to learn more.
Can I combine Flex My Extras with hospital cover?
Yes, Flex My Extras can be combined with hospital cover. Contact us to find out more.
Can I go to any extras provider?
Yes – as long as the service is covered by Flex My Extras and the provider is an HCF-recognised provider. Our Find a provider tool can help you find participating providers, or give us a call on 13 13 34 and we’ll be happy to help.
What is Gap Bonus?
Gap Bonus helps reduce or eliminate out-of-pocket costs for included extras by topping up the benefit we pay on services included in your Flex My Extras cover. You can use your Gap Bonus on any covered extras service up to your annual Gap Bonus entitlement. Gap Bonus kicks in after 12 months on your Flex My Extras cover. Each year that you're with us, the amount of your Gap Bonus will grow up to year 4 ($50 in year 2, $75 in year 3, $100 in year 4 and each year after that) and must be used during the relevant calendar year. Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members.
IMPORTANT INFORMATION
* 2 month waiting period applies. Providers are subject to change. We recommend that you confirm the provider prior to booking your appointment. See hcf.com.au/100back
^ Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members. Gap Bonus kicks in after 12 months on your Flex My Extras cover. Gap Bonus must be used during the calendar year in which it is granted ($50 in year 2, $75 in year 3, $100 in year 4 and each year after that). Gap Bonus can be used on any covered extras service. Unused Gap Bonus cannot be rolled over into the following calendar year.
+ Limit of 1 take-home kit or in-chair treatment (max. 8 teeth/session) applies every 36 months. A 12 month waiting period applies.
# This service is not affiliated or associated with HCF in any way. You should make your own enquiries to determine whether this service is suitable for you. If you decide to use this service, it’ll be on the basis that HCF won’t be responsible, and you won’t hold HCF responsible, for any liability that may arise from that use.
** For every dollar our members paid in premiums over the last 10 years, we paid out 89.2% in benefits compared to the industry average of 85.6%. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014-23.
++ Based on number of Canstar National and State based Health Insurance Awards from 2008 to 2023. Outstanding Value Health Insurance 8 years in a row (2016-23). Winner of the 2023 Extras Insurance Award in NSW, Vic, Qld and Tas, and the Hospital and Extras Insurance Award in Vic, Qld, WA, SA, NT and Tas.