HBF extras policies have per person limits – what does this mean?


5 minutes

12 April 2023

Two women on bikes high five each other

Welcome to the flexible life, where you and your partner (or ‘bae’ as our loved-up quokkas like to call each other) can both use everyday health services like dental and physio without draining each other’s limits.

Shared cover, individual limits. And the same goes for families - every member gets an annual limit. Here’s what you need to know about per person limits in relation to your extras cover.

First, what are Extras?

Extras can help you stay proactive with your health and are also there when it matters most – like if you put your neck out playing netball, or maybe during a zoom meeting. We’ve gone into this in detail, which can all be read here but if you’re looking for a speed-read, here it is:

  • You may also hear it referred to as ‘ancillary cover’ – but we’ll call it ‘extras cover’
  • Extras cover is the part of health insurance that covers non-hospital treatment. Dental, optical, physio, natural therapies, and a range of other health services can be included.
  • Because we know that everyone is unique and will want to use their cover differently, we’ve made our extras pretty flexible – with individual extras limits for everyone on your policy.
  • An annual limit, also known as an annual maximum, is the maximum amount of money you can claim for a particular service (or group of services) within a year.

How do per person limits work?

Time to meet our fictional couple, Tessa and Alana.

A couple with per person annual limits

Tessa rides her bike everywhere, and Alana prefers to drive. One fateful day, Alana was reversing out of their driveway when Tessa came out of nowhere on her bike – reminder: this is fictional – and while slamming on the breaks (and scaring Tessa) also scared her poor neck! Tessa meanwhile also had a small tumble, landing uncomfortably on her shoulder. All parties are ok – and just in need of some physio sessions.

Luckily, they have separate annual limits on their Flex 60 Extras policy and now go by the saying ‘couples who physio together, stay together.’ With Flex 60 they get a $1,000 combined annual limit that can be used across a range of services* – and because HBF has per person limits, that’s a $1,000 combined annual limit they each get to use. They don’t need to share!

Since the pair together needed around $780 worth of physio each, they were able to claim back around $468 thanks to Flex 60*.

You can also meet the Webbers (again, fictional) over on this blog, who walk you through claiming dental, physio, osteo, and remedial massage claims under one family cover.

Why are HBF’s extras cover options so good?

If you're shopping around for health cover and looking for the best value for you and your family, it's good to check the extras limits and see whether policy or membership limits apply to the policy or particular services. While they might have per person limits, the Policy or Membership limits can apply on top of that.

RELATED: What is Extras insurance?

Per person limits, no membership restrictions, and 82 years of experience in the healthcare system

HBF extras policies have per person limits and NO membership limit restrictions. That’s right, no sharing required here.

  • Basic
  • Flex 50
  • Flex 60
  • Complete 60
  • Top 70

And with over eight decades of experience navigating the healthcare system, we can help you find the cover that’s right for you and your partner or family.

Visit HBF Extras to learn more.

Extras explained – how much do I get back?

Certainty feels good, that’s why we’ve created a line-up of extras options that give you a guaranteed % back^ on your visits to popular services like Physio, Chiro, and Dental.

Explore HBF Extras


This article contains general information only and does not take into account the health, personal situation or needs of any person. In conjunction with your GP or treating health care professional, please consider whether the information is suitable for you and your personal circumstances.

Across all HBF products and services, benefits are payable up to applicable annual limits and only for services and programs approved by HBF and delivered by providers that are approved by HBF.

Waiting periods may apply before benefits are payable.

*A $250 sub-limit applies to Natural Therapies (includes Remedial Massage).

^Annual limits and waiting periods apply. Percentage back benefits are payable for services, programs and providers approved by HBF, when provider charges in accordance with the Member Plus schedule fee. Excludes Basic Extras and closed products.