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Health insurance

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Premium Essentials

Summary

The name ‘premium’ says it all – this is the ideal cover if you want the flexibility to claim regularly on a wide range of services. Receive high benefits for 39 health services, including dental, chiro, physio, podiatry, optical, osteopathy, speech therapy and a full range of complementary and natural therapies.

For full benefits see the policy details.

From $16.40(i) per week

After deducting a 29.04% Australian Government Rebate on private health insurance. Price based on your eligibility.

Included in this Essentials cover
NAME
WAITING PERIODS
COVERED
1–2 yrs depending on appliance Included More information
Blood glucose monitor 1–2 yrs depending on appliance Included More information
Charges for most appliances 1–2 yrs depending on appliance Included More information
Nebuliser 1–2 yrs depending on appliance Included More information
Chiropractic
2 months Included More information
Chiropractic xray - 1 pp per calendar yr 2 months Included More information
Initial individual consultation - 1 pp per calendar yr 2 months Included More information
Subsequent individual consultations 2 months Included More information
Clinical psychology*
6 months Included More information
Couple or family treatment 6 months Included More information
Group treatment 6 months Included More information
Individual assessment - 1 pp per calendar yr 6 months Included More information
Individual treatment/management 6 months Included More information
Complementary therapies*
2 months Included More information
1–6 individual consultations 2 months Included More information
11+ individual consultations 2 months Included More information
7–10 individual consultations 2 months Included More information
Dental - implants and orthodontics
12 months Included More information
Implants 12 months Included More information
Orthodontics 12 months Included More information
Dietetics
2 months Included More information
Group consultations 2 months Included More information
Initial individual consultation 2 months Included More information
Subsequent individual consultations 2 months Included More information
2 months Included More information
Dental - general
2 months Included More information
Consultation/examinations 2 months Included More information
Extractions 2 months Included More information
Fillings – direct 2 months Included More information
Mouthguard* 2 months Included More information
Scale and clean - 1st visit 2 months Included More information
Hearing aid
36 months Included More information
12 months Included More information
Bridges 12 months Included More information
Crowns 12 months Included More information
Full dentures 12 months Included More information
Tooth coloured fillings – indirect 12 months Included More information
Veneer – direct 12 months Included More information
Veneer – indirect 12 months Included More information
Occupational therapy
2 months Included More information
Group consultations 2 months Included More information
Initial individual consultation 2 months Included More information
Other individual consultations - less than 30 mins 2 months Included More information
Other individual consultations - more than 30 mins 2 months Included More information
Optical - contact lenses
2 months Included More information
Bi-focal progressive lenses 2 months Included More information
Frequent replacement disposable contact lenses 2 months Included More information
Spherical rigid or soft contact lenses 2 months Included More information
Toric – rigid or soft lenses 2 months Included More information
Optical - glasses*
2 months Included More information
Frames & bi-focal lenses 2 months Included More information
Frames & single vision lenses 2 months Included More information
Frames & tri-focal/progressive lenses 2 months Included More information
Orthoptics - eye therapy
2 months Included More information
Colour vision test – 1 pp per calendar yr 2 months Included More information
Individual consultations – over 30 mins 2 months Included More information
Individual consultations – up to 30 mins 2 months Included More information
Visual field test – 2 pp per calendar yr 2 months Included More information
Osteopathy
2 months Included More information
Initial individual consultation - 1 pp per calendar yr 2 months Included More information
Subsequent individual consultations 2 months Included More information
Pharmacy*
2 months Included More information
For pharmaceuticals listed on the HBF Pharmacy Benefit Schedule 2 months Included More information
Physiotherapy
2 months Included More information
Group consultations 2 months Included More information
Individual consultations by a specialised physiotherapist for continence and woman's health - 3 pp per calendar yr* 2 months Included More information
Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr* 2 months Included More information
Initial individual consultation - 1 pp per calendar yr 2 months Included More information
Subsequent individual consultations 2 months Included More information
Podiatry - consults and surgery
2 months Included More information
Brief consultations (clinic based) 2 months Included More information
Comprehensive consultations (clinic based) 2 months Included More information
Initial consultation (clinic based) 2 months Included More information
Intermediate consultations (clinic based) 2 months Included More information
Podiatry - foot orthoses*
12 months Included More information
Diagnostic testing and biomechanical evaluation 12 months Included More information
Foot orthoses - including casting 12 months Included More information
Preventative health*
2 months Included More information
Health checks 2 months Included More information
Health education programs 2 months Included More information
Quit smoking programs 2 months Included More information
Weight management programs 2 months Included More information
Remedial massage/myotherapy
2 months Included More information
Speech therapy
2 months Included More information
Group consultations 2 months Included More information
Initial individual consultation – 45 to 90 minutes 2 months Included More information
Initial individual consultation – Up to 45 minutes 2 months Included More information
Subsequent individual consultations – 45 to 90 minutes 2 months Included More information
Subsequent individual consultations – Up to 45 minutes 2 months Included More information
Urgent ambulance*
7 days Included More information
Wellness
2 months Included More information
Psychology 2 months Included More information
Exercise physiology 2 months Included More information
Remedial massage/myotherapy 2 months Included More information
Nutritionist 2 months Included More information
Travel vaccinations 2 months Included More information
Nicotine replacement therapy 2 months Included More information
Alexander technique 2 months Included More information
Aromatherapy 2 months Included More information
Bowen therapy 2 months Included More information
Feldenkrais 2 months Included More information
Health monitoring equipment 2 months Included More information
Herbalist consultation 2 months Included More information
Hypnotherapy 2 months Included More information
Kinesiology 2 months Included More information
Pilates program* 2 months Included More information
Preventative equipment 2 months Included More information
Reflexology 2 months Included More information
Shiatsu 2 months Included More information
Yoga program* 2 months Included More information
Not included in this Essentials cover

Variable benefit

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Aids to recovery equipment

Antenatal classes

Natural therapies

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Non-urgent ambulance

Travel and accommodation

Benefits of this product:

  • 80% back on dental
  • Fully covered Friendlies Health Check each year at selected pharmacies
  • No gap general dental for kids on your policy
  • A fully covered scale and clean every year
  • One set of fully covered glasses every year

More HBF member benefits:

  • Free outdoor fitness sessions – see hbffitness.com.au for details
  • Discounted movie tickets and gym memberships
  • Online claiming and member service at hbf.com.au/myhbf
  • HBF member discounts at health events such as the HBF Run for a Reason

For more information and to view the benefits paid on this cover, please see the policy details brochure.

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