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 terminal for your covered extras services.*
From aches and pains to injuries and mobility disorders, physiotherapy can help
treat a wide variety of
conditions. Using physical techniques to restore function, reduce pain, and increase movement,
physiotherapists work closely with their patients to develop personalised treatment plans to help them move
well, feel well, and live well.
Physiotherapy is one of the most commonly claimed extras services. It’s included on all levels of HBF extras
cover available for sale, so all you need to do is choose the best fit for you.
Flex 50 and Flex 60 Extras are changing on 1 January 2022. See details in product sheet: Flex 50 Extras Product Sheet (PDF) | Flex 60 Extras Product Sheet (PDF)
Remember, everyone on your cover gets their own annual limit. That means each person, including dependants, can claim up to the limits shown above.
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 options.
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.
Check your benefits and limits
You can check your physio benefits and annual limits by logging into
myHBF. You can see your annual limits at any time, but you will need a service quote from your physiotherapist to complete a benefit quote.
Book an appointment
You can book an appointment at any physio that is an approved provider with HBF. To see
if your provider is covered, call us on 133 423.
You’ll generally be able to claim electronically at your physio. 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 physio charges and the benefit that HBF pays to your physio on your behalf.
Alternatively, you can pay the physio upfront and submit your accounts and receipts to HBF by one of the following methods:
We'll help you find our best cover that suits your needs.
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