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What Services are Covered

Depending on your health fund, your level of cover and the policy you choose, extras insurance allows you to claim on a variety of out-of-hospital services like dental, optical and physio.

HBF offers a choice of 32 extras services. The number of extras services you’re covered for and the amount you can claim back depend on your level of cover and the policy you select.

For example, on our Saver Flexi Extras policy, you’re covered for four extras services: general dental and urgent ambulance are a standard inclusion, and you can choose two additional services from a list of HBF’s most popular extras. This policy provides a basic level of cover.

In contrast, HBF has the Ultimate Package, a combined package that includes cover for both hospital and extras. This policy provides cover for HBF’s complete suite of 32 extras services, as well as providing comprehensive cover when you go to hospital.


  • General Dental

    General Dental is a service that covers the more common dental treatments you might have during a routine visit to the dentist.

    Make the most of your benefits by visiting one of HBF's Member Plus dental providers.

    All services (including consultations, scale and clean, mouthguard, fillings and extractions). Visit a Member Plus provider and receive no gap for preventative dental services for kids.
  • Dental - Implants and Orthodontics

    Implants and Orthodontics Dental is designed to help you cover the higher costs of complex dental treatment.

    These procedures require treatment by a specialist Orthodontist, Periodontist or Prosthodontist, and generally involve repeat visits over a longer period of time.

    Sub limit included in overall maximums ($ limit combined for orthodontics & implants). Orthodontic benefits for banding is for the full course of treatment and includes all associated treatment and/or adjustments following the fitting of the appliances.
  • Glasses

    Glasses is a service that can help you access medically necessary vision correction. Glasses aren’t a permanent solution to correct vision, but they are an accessible, flexible solution for the ongoing management of poor vision.

    Depending on what you need, our Glasses service means you can claim on complete glasses, or just lenses, depending on what you need.

  • Osteopathy

    Osteopaths identify and treat bone, joint and other disorders through massage and the manipulation of muscle tissue and bones.

    Osteopaths can help relieve neck or back pain, sports injuries and recurring headaches, as well as help improve general health and wellbeing.

    Chiropractic and osteopathy maximums combined
  • Urgent ambulance

    Covers circumstances classified by St John Ambulance as requiring urgent attention

    HBF will cover the cost for urgent ambulance transport by road only for circumstances classified by the state ambulance provider as requiring urgent attention. HBF will not pay a benefit for air ambulance services. Urgent ambulance transport covers circumstances classified by St John Ambulance as requiring urgent attention.
  • Pharmacy

    Pharmaceuticals pays a benefit on items not covered by the Government Pharmaceutical Benefits Scheme (PBS), and allows you to access a broader range of medications at an affordable cost.

    This may vary depending on the medication.
  • Foot Orthoses (Podiatry)

    Foot orthoses (also called orthotics) are shoe inserts that help support the feet, improve foot posture and correct any imbalances. These can either be selected ‘off the shelf’ or made from scratch using a plaster cast of your foot.

    Foot orthoses can help treat chronic foot or leg problems, including corns and calluses, foot ulceration, tendonitis and recurring ankle sprains. A Podiatrist can help design and fit foot orthoses to your feet.

    Foot orthoses must be medically necessary and custom-made from one of the following providers approved by HBF: podiatrist, orthotist, pedorthist or surgical bootmaker.
  • Clinical Psychology

    Clinical Psychology aims to assess, diagnose and treat mental illness, abnormal behaviour and psychiatric problems.

    Clinical psychologists are highly trained in the delivery of therapies that assist in treating mental health disorders. These may range from mild, to severe and complex.

    Provider must be registered with the relevant national board with an endorsement of clinical psychology, and approved by HBF.
  • Hearing Aids

    Hearing Aids is a service that helps cover the costs associated with getting a personal Hearing Aid. A Hearing Aid is a miniature amplification system that’s worn in, or behind, the ear in order to enhance sound.

    Hearing Aids don’t correct hearing loss, but help make sounds more accessible for those with impaired hearing.

  • Eye Therapy (Orthoptics)

    Eye Therapy is a service that helps you access the care of an Orthoptist. Orthoptists are eye health professionals who detect, diagnose and manage eye disorders in adults and children, without the need for surgery. 

    They work collaboratively with optometrists and ophthalmologists (eye surgeons) to help keep eyes healthy.

    Occupational therapy, orthoptics (eye therapy) and speech therapy maximums combined
  • Speech Therapy

    Speech Therapists help diagnose and treat people with communication and swallowing disorders.

    They assist people of all ages (including babies and children) with a range of problems, including speech, language and fluency difficulties, and trouble swallowing.

    Occupational therapy, orthoptics (eye therapy) and speech therapy maximums combined
  • Wellness

    Wellness is a group of treatments and activities that are designed to keep your mind and body healthy, and look after your general wellbeing. It includes services such as remedial massage, psychology, yoga, Pilates and travel vaccinations.

  • Exercise Physiology

    Exercise Physiology is a service that helps you access the help of an Exercise Physiologist.

    Exercise Physiologists specialise in the delivery of exercise for the prevention and management of chronic diseases and injuries. They are also able to help those with disabilities achieve a greater level of independence in movement.

  • Healthy Living Programs

    Healthy Living Programs give you access to a range of HBF approved health services, such as flu vaccinations, weight management programs and health checks.

    These programs are designed to prevent illness, help you make healthy changes to your lifestyle and manage your overall health and wellbeing.

    For HBF approved programs only.
  • Nutritionist

    Nutritionist is a service that helps you access the advice of a Nutritionist or Dietician. Nutritionists promote healthy eating and living to assist in the prevention of illness.

    Nutritionists have extensive knowledge about the nutritional value of foods, how they interact with the body and impact lifestyle. They can advise you on what to eat in order to achieve specific health-related goals.

    Combined maximum for Dietetics and Nutritionist
  • Major Dental
  • Chiropractic

    Chiropractors diagnose and treat health problems related to the musculoskeletal system through manipulation of the spine and other joints.

    Chiropractic treatment is used to restore mobility through the correct alignment of the spine, to enable the body to heal itself without surgery or medication.

    Chiropractic and osteopathy maximums combined
  • Contact Lenses

    Contact Lenses can help you access medically necessary vision correction.

    Like glasses, contact lenses are not a permanent solution to correct vision, but they are an accessible, flexible solution for the ongoing management of poor vision.

  • Physiotherapy

    Physiotherapists diagnose and treat musculoskeletal injuries and other disorders through physical therapy.

    They can help people affected by injury, illness or disability regain and maintain movement and physical function.

  • Aids to Recovery Equipment

    Aids to Recovery Equipment is a service that can help you access medically necessary equipment or devices.

    This means we’ll pay a benefit towards the cost of an approved device that assists you in your recovery and return to health. 

  • Podiatry consults

    Podiatrists are trained professionals who diagnose, treat and prevent conditions that affect the health of the feet.

    Podiatrists can help you maintain the health of your feet through treatment, exercises and regular monitoring.

  • Appliances

    Appliances is a service that can help you access medically necessary equipment, devices or aids.

    This means we’ll pay a benefit towards the cost to purchase or hire an approved health aid that assists you in managing, monitoring or treating a condition.

  • Dietetics

    Dietetics is a service that helps you access the advice of Dietitian. Dietitians help promote healthy living to prevent and treat illness.

    They can advise you on what to eat and help you make healthier lifestyle choices in order to achieve specific health-related goals.

    Combined maximum for Dietetics and Nutritionist
  • Occupational Therapy

    Occupational Therapists assess how you engage with a task or experience, and the environment in which it takes place. They are then able to help you modify your action, thinking or environment, in order to better support your wellbeing.

    Occupational therapy, orthoptics (eye therapy) and speech therapy maximums combined
  • Remedial Massage and Myotherapy

    Remedial Massage Therapists and Myotherapists specialise in the massage and manipulation of soft tissue to allow the body to return to normal health

    This treatment can help heal parts of the body that have been injured, affected by a muscular-skeletal disorder or left inactive due to age, illness or injury.

  • Complementary Therapies

    Complementary Therapies is a group of non-invasive treatments, designed to help stimulate the body’s self-healing response.

    They are often used together with the healthcare you receive from western medical practitioners.

    Complementary therapies forms part of combined maximum with Bowen therapy, Alexander technique, kinesiology, hypnotherapy, Feldenkrais, shiatsu, aromatherapy, reflexology, herbalist consult and complementary therapies (naturopathy, acupuncture, traditional Chinese medicine and homeopathy) Multiple services provided during a consult will be paid a single benefit. HBF does not pay a benefit for massage or medications/herbs.
  • Antenatal Care

    Antenatal care offers education and advice for pregnant women and their partners, before a baby is born.

    It helps parents focus on the pregnancy and plan for the impending labour and birth.

    Benefits for antenatal classes are payable for classes offered by a private hospital, regardless of whether or not the hospital is an HBF Member Plus hospital.

  • Friendlies Health Check

    A Friendlies Health Check is a screening tool used to assess your risk of developing Type 2 Diabetes and/or Cardiovascular Disease in the next five years.

    A Friendlies Health Check should be used in conjunction with your doctor’s advice, so you can take steps to reduce your risk of disease, improve your health and general wellbeing.

    To learn more about this service or to book your Friendlies Health Check, head to their website.

  • Non-Urgent Ambulance
  • Psychology

    Psychologists study behaviour and evaluate mental processes to diagnose and treat mental health problems.

    Psychologists can help with a range of mental health conditions, including depression, anxiety, grief, post-traumatic stress and eating disorders.

  • Flu Vaccinations
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