Chiropractic cover that’s got your back

With cracking chiropractic benefits, HBF Extras have got plenty of backbone.

What can chiropractic do for you?

Chiropractors are trained to manage back pain, neck pain, and more. In fact, it may benefit patients with a range of muscle and bone pain. 1

Chiropractic care can include a range of hands-on treatments such as spinal adjustment, mobilisation, muscle and soft tissue techniques and rehabilitation. Chiropractors can also help out with nutritional recommendations and lifestyle advice.

Chiropractic cover is included on most HBF extras cover options, all you need to do is choose the best level of cover for you.

What's included in HBF's chiropractic cover?

Conditions managed

  • Back pain
  • Joint pain
  • Sciatica
  • Strains and sprains from daily activities
  • Overuse injuries
  • Work and sports-related injuries
  • Restricted movement in the back, shoulders, neck or limbs

What will I get back?

How does it work?

  1. Sign up online

    Once you have picked an extras product that provides the right level of chiropractic cover for you, you can sign up online in just a few minutes, or contact us.

  2. Serve any applicable waiting periods

    If you are new to private health insurance, you may need to serve waiting periods. If you are changing your level of cover or switching from another fund, waiting periods may apply so please contact us before starting treatment.

  3. Check your benefits and limits

    You can check your chiropractic benefits and annual limit by logging into the HBF app or myHBF. You can see your annual limits at any time, but you will need a service quote from your provider to complete a benefit quote.

  4. Book an appointment

    You can book an appointment with any accredited chiropractor that is an approved provider with HBF. To see if your provider is covered call us on 133 423.

Frequently asked questions

How much can I get back on chiropractic?

This will depend on the level of cover you have. After you get a treatment plan from your chiropractor with the item numbers to be provided, give us a call on 133 423 to complete a benefit quote so you know exactly what benefits you are entitled to. Please note that waiting periods and annual limits apply.

How do I submit a claim for chiropractic?

Most providers give you the option to claim electronically via various participating systems. To do this, simply swipe your HBF member card when you pay and HBF will pay the provider on-the-spot. All you will need to pay is the ’gap’; this is the difference between what your chiropractor charges and the benefit that HBF pays on your behalf.

Alternatively, you can pay the chiropractor in full and submit your accounts and receipts to HBF by one of the following methods:

Get in touch with HBF

We'll help you find our best cover that suits your needs.