HBF Essentials cover pays benefits on a wide range of day-to-day services including dental, optical, physio, chiro and podiatry.
Compare Essentials Cover Options
Dental Saver
Dental Saver is perfect if you just want cover for general dental and don’t want to pay for other health treatments you might not use. It’s a great, low cost way to take good care of your teeth. Find out more
Essentials Saver
This is a way to get your Essentials cover at a low price. It covers you for urgent ambulance and general dental. Then you can choose two from: major dental, optical, physio, chiro, podiatry or pharmacy. Find out more
Essentials Standard
To further reduce your premium, this level pays back a lower benefit and covers just the 17 most commonly-used general treatment health care services. Find out more
Extra Essentials
So that your premium costs a little less, this level pays back a lower benefit than Premium Essentials and covers 20 services. Find out more
Premium Essentials
You get a high benefit on 39 different health treatments with generous annual limits. Premium Essentials includes our Wellness cover which pays benefits on a wide range of lifestyle services including yoga and pilates programs, bowen therapy, hypnotherapy, nicotine replacement therapy, remedial massage and more. Find out more
Compare Essentials Products
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