Essentials Saver

From $4.10* per week

This is a way to get your Essentials health insurance cover at the lowest possible price. It covers you for urgent ambulance and general dental. Then you can choose two from the following list:

Major dental
Optical
Physio
Chiro
Podiatry
Pharmacy

If you’re looking for:

A combination of your most important ancillary services that you are most likely to use. Starting with urgent ambulance and general dental, you then choose two more services you need from the list above.
The lowest premiums. Essentials Saver saves you money as you only pay for the services you need.
No limits on most general dental; spend as much time as you need to at the dentist!

Good for:

If you’re likely to only visit the dentist once a year, and know that you only use two other services, such as optical and physio, then this is the most cost effective cover option.

What are you covered for:

Do you want to compare Essentials Cover?

Choose from our Essentials Products and compare their features side by side.

We pay benefits for thousands of treatments, too many to mention here. If there is a specific benefit you are looking for, whether it’s a fluoride treatment at your dentist, or a session with your chiropractor, find out the item number from your dentist, physiotherapist, chiropractor or other health providers and call us and we’ll let you know how much you should get back.

Getting the most out of Essentials

As well as having benefits paid across 4 services, here are a few ways to get the most value from your health insurance:

Visit a participating dentist. We have agreements with hundreds more dentists in WA than any other fund, which means less out-of-pocket expense for you. You can find your closest participating dentist here. With Essentials Saver, you get 60% back when you visit an HBF Participating Dentist (that includes dentists and prosthetists).
Don’t forget to use your fully covered scale and clean each year, at a participating dentist.
Need new glasses? We have more Participating Optical Stores in WA than any other fund. Visit one of these stores and you’ll get hundreds more frames fully covered, plus at least 20% discount on most designer frames in addition to your usual benefit.
Add GapSaver to your policy, put aside as little as $1.35^ a week to accrue $100 per year, and you’ll minimise out-of-pocket costs for eligible Essentials services.
If something happens and you’re unable to work, we won’t abandon you. We’ll give you complimentary health insurance for up to nine months. Because the last thing you need to think about at a time like that is paying your health cover. Some conditions do apply so please ask us for more details.

Find out more about your policy details.

*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 GapSaver $100/$200 policy costs $69.15 based on WA rates, which is equivalent to $1.35 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance.

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