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.


It looks like you're from Outside Australia

We need to confirm your location to show you the correct content, products and pricing.

No, I'm not from Outside Australia

Sorry, your product selection isn't available if you live outside Western Australia.

Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.

You're about to see content designed for people outside WA.

Content, products and pricing information is different if you live in Western Australia.

Oops! This product isn't available in your state

The product you’ve selected isn’t available for purchase in your state.

Please select your state or territory

We need to confirm your location to show you the correct content, products and pricing.

Change your state or territory

If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location.

WA NSW VIC SA TAS NT QLD ACT I'm visiting from outside of Australia