All-new Extras Cover

We've redesigned our extras to be way better value.

Compare cover options

You asked. We listened.

Want more value, choice and control with your extras cover? Well, we've redesigned our extras to give you just that.

Essentials Cover

Basic Extras

Great value cover for the essentials.

$160 annual limit on Optical, which includes a fully covered pair of glasses on a range of no-gap options
No annual limit on Preventative Dental
Physio, chiro and other essential services

Flexible Cover

Flex 50 or Flex 60

Look after your health, your way with 50% or more back on 12 popular services.

Annual limit of $200 on Flex 50 and $220 on Flex 60 for Optical, which includes a fully covered pair of glasses on a range of no-gap options
No annual limit on Preventative Dental
Get a great benefit at any provider of your choice
Know what you'll get back
Use your combined annual limit how you want across 9 services

Comprehensive Cover

Complete 60 or Top 70

Perfect for families and those who want total peace of mind.

Annual limit of $250 on Complete 60 and $275 on Top 70 for Optical, which includes a fully covered pair of glasses on a range of no-gap options
No annual limit on Preventative Dental
Get a great benefit at any provider of your choice
Know what you'll get back
Cover for a wide range of extras services
60% or more back every you time you claim
High annual limits
Family-friendly services including Orthodontics

See Terms and Conditions at the bottom of the page.

Discover our all-new extras cover

Extras cover

Basic Extras

from

$3.85

Weekly

Smile!

Fully covered scale and clean every year¹

Specs

A fully covered pair of glasses every year¹

Affordable cover for General Dental, Optical and 5 other essential services.

Extras cover

Flex 50

from

$5.40

Weekly

50%

Or more back

$800

Combined annual limit to use across 9 services

Includes fully covered: Scale & clean and a pair of glasses every year¹

Look after your health, your way, with 50% or more back on 12 popular services.

Extras cover

Flex 50

from

$5.40

Weekly

50%

Or more back

$800

Combined annual limit to use across 9 services

Includes fully covered: Scale & clean and a pair of glasses every year¹

Look after your health, your way, with 50% or more back on 12 popular services.

Extras cover

Flex 60

from

$6.80

Weekly

60%

Or more back

$1,000

Combined annual limit to use across 9 services

Includes fully covered: Scale & clean and a pair of glasses every year¹

Look after your health, your way, with 60% or more back on 12 popular services.

Extras cover

Complete 60

from

$10.00

Weekly

60%

Or more back

All services

Cover for a wide range of extras services services

Includes fully covered: Scale & clean and a pair of glasses every year¹

Affordable cover for a wide range of extras services.

Extras cover

Top 70

from

$18.15

Weekly

70%

Or more back

All services

High limit cover for a wide range of extras services

Includes fully covered: Scale & clean and a pair of glasses every year¹

Top cover for a wide range of extras services for peace of mind.

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Why trust HBF as your health insurer

Looking after Australians for over 75 years

We always put our members first

We're a not-for-profit organisation, so we focus on giving more back to members