Flexi Extras cover summary

Flexible extras cover for 10 services of your choice that you can swap at any time
Choose 10 services and swap them at any time1

No annual limit on preventative dental1

Unlimited urgent ambulance by road2

Fully covered flu vac and health check at selected pharmacies3

What you're covered for with
Flexi Extras

Discover what extras services you can choose from.

You choose 10 services from:

General Dental
General Dental
Major Dental
Major Dental
Orthodontics
Orthodontics
Optical
Optical
Physiotherapy
Physiotherapy
Chiropractic
Chiropractic
Osteopathy
Osteopathy
Urgent Ambulance
Urgent Ambulance
Healthy Living Programs
Healthy Living Programs
Pharmacy
Pharmacy
Podiatry
Podiatry
Remedial Massage / Myotherapy
Remedial Massage / Myotherapy
Appliances
Appliances
Hearing Aid
Hearing Aid
Eye Therapy
Eye Therapy
Occupational Therapy
Occupational Therapy
Speech Therapy
Speech Therapy
Psychology
Clinical Psychology
Psychology
Psychology
Dietetics
Dietetics
Nutritionist
Nutritionist
Alternative Therapies
Alternative Therapies
Exercise Physiology
Exercise Physiology
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Health cover app

Take your health cover with you anywhere

Access your policy information to see what you are covered for, your products and who’s covered under your policy.

Why trust HBF as your health insurer

Since 1941, HBF has been caring for the health of Australians by helping them get well in the moments that matter.

We always put our members first

We're not run by shareholders

That means we can focus on giving our members more back.

Looking after Australians for over 75 years

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Commonly asked questions

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:

  • Dental treatment
  • Physiotherapy
  • Optical - Glasses and contact lenses
  • Chiropractic treatment
  • Podiatry

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.

Speak to our health cover specialists

We’ll help you find the right health cover for your needs and budget.