New HBF digital member card
Who needs another card in their wallet? Download the digital member card and use your phone to tap and claim at a HICAPS or Smart Health terminal for your covered extras services.*
Look after your health, your way, with 50% or more back on 14 popular services
HBF Flex 50 Extras cover won Finder’s Best Medium Extras Insurance award.
Flex 50 gives you $800 to split how you like across 12 popular services.^
You could use all of that $800 combined annual limit on Physio if you like, or you could split it up. Maybe some on Physio, a little on Preventative Dental and the rest on Chiro!
On top of that, you get a separate $200 annual limit to use on Optical.
^ A $200 sub-limit applies to Natural Therapies (includes Remedial Massage).
See Terms and Conditions at the bottom of the page
^Remedial Massage/Natural Therapies has a sub-limit of $200.
View Flex 50 Extras
product sheet (PDF)
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The amount you can claim back on extras services depends on your benefits (the amount you get back when you claim) and your annual limits (the maximum amount you can claim in a year).
Nearly all extras insurance policies only cover services to a limited extent, which means you’ll usually pay for some of the service out of your own pocket.
But extras insurance is still worth it because Medicare generally doesn’t cover extras services, so without it you’d have to cover the full cost of treatment.
The specific extras services you’re covered for depends on your health fund, level of cover and the specific policy you choose. Here are some examples of common services extras insurance can cover:
There are some situations where your health fund cannot pay a benefit (because they legally can’t), but Medicare will.
For example, a visit to a doctor outside of hospital, like a General Practitioner (GP), will never be covered by health insurance, no matter what fund you’re with – that’s covered by Medicare.
Consultation fees for a doctor or a specialist appointment outside of hospital, tests and examinations like x-rays or blood tests and eye tests by an optometrist are common situations where your health fund won't pay a benefit but Medicare will.
A lifetime limit is the total amount you can claim for a service over the course of your lifetime. That means, once you’ve claimed up to your lifetime limit, either at HBF or through claims at another health insurer, you won’t ever be able to claim again, even if you upgrade your level of cover with HBF. Each person on your policy has their own lifetime limits. A lifetime limit applies to orthodontics on some HBF Extras covers.
An annual limit is the maximum amount of money you can claim for a service within a calendar year. Each person on your policy has their own annual limits.
When you buy extras insurance for the first time, if you haven’t had continuous cover, or if you’ve just upgraded to a higher level of cover, there will generally be a waiting period you need to serve before you can claim.
Waiting periods for extras vary between health funds, but with HBF most services have a 2-month waiting period, while more high-cost services (like Major Dental) have a waiting period of 12 months or more.
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