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

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

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

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

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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

What am I covered for?

  • Preventative Dental
  • General Restorative Dental
  • Major Dental and Implants
  • Orthodontics
  • Optical
  • Physiotherapy
  • Chiropractic
  • medical specialty knee 1 (From Streamline App : https://app.streamlineicons.com) Osteopathy
  • Psychology
  • Remedial Massage / Natural Therapies
  • Podiatry
  • medical specialty hearing (From Streamline App : https://app.streamlineicons.com) Hearing Aids
  • Eye Therapy
  • Speech Therapy
  • Exercise Physiology
  • Dietetics and Nutrition
  • Exported from Streamline App (https://app.streamlineicons.com) Occupational Therapy
  • Healthy Living Programs
  • bandage leg (From Streamline App : https://app.streamlineicons.com) Appliances, Prostheses and Aids
  • Pharmaceuticals (non PBS)
  • Urgent Ambulance by road

What am I covered for?

  • Preventative Dental
  • General Restorative Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Osteopathy
  • Urgent Ambulance by road
  • Healthy Living Programs

What am I covered for?

  • Preventative Dental
  • General Restorative Dental
  • Major Dental and Implants
  • Optical
  • Physiotherapy
  • Chiropractic
  • Osteopathy
  • Urgent Ambulance by road
  • Healthy Living Programs
  • Pharmaceuticals (non PBS)
  • Exercise Physiology
  • Remedial Massage / Natural Therapies

What am I covered for?

  • Preventative Dental
  • General Restorative Dental
  • Major Dental and Implants
  • Optical
  • Physiotherapy
  • Chiropractic
  • Osteopathy
  • Urgent Ambulance by road
  • Healthy Living Programs
  • Pharmaceuticals (non PBS)
  • Exercise Physiology
  • Remedial Massage / Natural Therapies

What am I covered for?

  • Preventative Dental
  • General Restorative Dental
  • Major Dental and Implants
  • Orthodontics
  • Optical
  • Physiotherapy
  • Chiropractic
  • medical specialty knee 1 (From Streamline App : https://app.streamlineicons.com) Osteopathy
  • Psychology
  • Remedial Massage / Natural Therapies
  • Podiatry
  • medical specialty hearing (From Streamline App : https://app.streamlineicons.com) Hearing Aids
  • Eye Therapy
  • Speech Therapy
  • Exercise Physiology
  • Dietetics and Nutrition
  • Exported from Streamline App (https://app.streamlineicons.com) Occupational Therapy
  • Healthy Living Programs
  • bandage leg (From Streamline App : https://app.streamlineicons.com) Appliances, Prostheses and Aids
  • Pharmaceuticals (non PBS)
  • Urgent Ambulance by road