All-new Extras Cover

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

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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.

  • Covers general dental, physio, chiro, and other essential services
  • $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

Flexible Cover

Flex 50 or Flex 60

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

  • Covers major dental, general dental, remedial massage, physio, chiro, and other essential services *
  • 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.

  • Covers a wide range of services *
  • No annual limit on Preventative Dental
  • Get a great benefit at any provider of your choice
  • Know what you'll get back
  • 60% or more back every you time you claim
  • High annual limits
  • Plus family friendly services including orthodontics, speech therapy, pharmaceuticals (non PBS), and health aids and appliances

See Terms and Conditions at the bottom of the page.

Discover our all-new extras cover

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Why trust HBF for your health insurance

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