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HBF Essentials cover pays benefits on up to 22 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.

^from $2.95*^ _pw

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Essentials Saver

This is a way to get your Essentials cover at the lowest possible price. It covers you for urgent ambulance and general dental. Then you can choose two from: major dental, optical, physio, chiro, podiatry or pharmacy.

^from $4.10* _pw

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Essentials Standard

To further reduce your premium, this level pays back a lower benefit and covers just the 18 most commonly-used general treatment health care services.

^from $6.75^ _pw

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Extra Essentials

This level covers the same 22 services as Premium Essentials but the amount we pay back to you is a little less, so your premium costs a little less.

^from $9.75** _pw

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Premium Essentials

You get our highest benefits on 22 different health services, like dental, optical, physio, chiro, podiatry plus some complementary therapies and benefits towards preventative health programs.

^from $15.60^^ _pw

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Compare Essentials Products

Drag the products you would like to compare to the right

1. Dental Saver
2. Essentials Saver
3. Essentials Standard
4. Extra Essentials
5. Premium Essentials

View Comparison Table

*^A single Dental Saver policy costs $151.20pa, which is approximately $2.95 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance.

*A single Essentials Saver policy costs $213.35pa based on WA rates, which is the equivalent of $4.10 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance.

^A single Essentials Standard policy costs $351.10pa based on WA rates, which is the equivalent of $6.75 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance.

**A single Extra Essentials policy costs $507.35pa based on WA rates, which is the equivalent of $9.75 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance.

^^A single Premium Essentials policy costs $811.45pa based on WA rates, which is equivalent to $15.60 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance.