Feast your eyes on affordable optical cover

With great member plus benefits and generous annual limits, HBF's optical cover is worth a look.

What's included in HBF's optical cover?

Whether you need glasses and frames or contact lenses, we’ve got you covered.

See clearly and look great with our generous annual limits and member plus benefits.

With HBF extras cover, you can get 100% back on optical up to the annual limits on all covers available for sale.

Member Plus Benefits

HBF has a large network of Member Plus optical providers to help members minimise out-of-pocket expenses associated with glasses and contacts.

Member Plus optical providers include: Bailey Nelson, Eyebenefit, Laubman & Pank, OPSM and Specsavers.

How does it work?

  1. Sign up online

    Once you have picked an extras product that provides the right level of cover for you, you can sign up online in just a few minutes or contact us if you’d like to discuss your cover options.

  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 buying your glasses or contacts.

  3. Check your benefits and limits

    You can check your optical benefits and annual limits by logging into myHBF or the HBF App. You can see your annual limits at any time, but you will need to know the item numbers and fees to complete a benefit quote. You can get item numbers and fees by speaking with your optometrist.

  4. Visit an optical provider instore or online

    You can pop online or into any optical store that is an HBF Approved Provider. To see if your provider is covered, call us on 133 423. You can find a Member Plus Optical Provider here.

Optical Insurance FAQs

How much can I get back?

This will depend on your cover (including any annual limits) and the glasses/contacts you choose. On all covers available for sale, you’ll get 100% of the cost of your glasses or contacts back, up to your annual limit. If your glasses or contacts cost more than the limit available on your extras cover, you’ll need to pay the difference.

With our Member Plus optical network, you can get a fully covered pair of glasses. All you need to do is choose a pair of frames from the ‘no gap range’ at a Member Plus optical store fitted with single vision, bifocal, multifocal or progressive lenses and you won’t be out of pocket at all. 1

How do I claim?

You’ll generally be able to claim electronically in store. Swipe your HBF member card when you pay, and we will pay the provider directly, on the spot. All you will need to pay is the “gap”, which is the difference between what your glasses or contacts cost and the benefit that HBF pays on your behalf.

Alternatively, or if you purchase online, you can pay for your glasses or contacts in full and submit your 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.