Your choice. 50, 60 or 70% back

We've taken the guesswork out of extras cover.

Compare cover options

Flex 50 and Flex 60, for choice and control

  • Get 50% or more back every time you claim
  • Use your cover the way you want
  • Get a great benefit at any provider of your choice

Complete 60 and Top 70, for peace of mind

  • Get 60% or more back every time you claim
  • Cover for a wide range of extras services
  • Family-friendly services

See Terms and Conditions at the bottom of the page.

Explore your options

I need some help finding the right cover for me

Tell us a little about yourself and in 2 - 3 minutes we’ll find our best cover to suit your needs.

Why trust HBF for your health insurance

Looking after Australians for over 75 years
We always put our members first
We're a not-for-profit organisation, so we focus on giving more back to members

What am I covered for?

  • Preventative Dental
  • General Restorative Dental
  • Major Dental and Implants
  • Optical
  • Physiotherapy
  • Chiropractic
  • Osteopathy
  • Urgent Ambulance by road
  • Healthy Living Programs
  • Pharmaceuticals (non PBS)
  • Exercise Physiology
  • Remedial Massage / Natural Therapies

What am I covered for?

  • Preventative Dental
  • General Restorative Dental
  • Major Dental and Implants
  • Optical
  • Physiotherapy
  • Chiropractic
  • Osteopathy
  • Urgent Ambulance by road
  • Healthy Living Programs
  • Pharmaceuticals (non PBS)
  • Exercise Physiology
  • Remedial Massage / Natural Therapies

What am I covered for?

  • Preventative Dental
  • General Restorative Dental
  • Major Dental and Implants
  • Orthodontics
  • Optical
  • Physiotherapy
  • Chiropractic
  • medical specialty knee 1 (From Streamline App : https://app.streamlineicons.com) Osteopathy
  • Psychology
  • Remedial Massage / Natural Therapies
  • Podiatry
  • medical specialty hearing (From Streamline App : https://app.streamlineicons.com) Hearing Aids
  • Eye Therapy
  • Speech Therapy
  • Exercise Physiology
  • Dietetics and Nutrition
  • Exported from Streamline App (https://app.streamlineicons.com) Occupational Therapy
  • Healthy Living Programs
  • bandage leg (From Streamline App : https://app.streamlineicons.com) Appliances, Prostheses and Aids
  • Pharmaceuticals (non PBS)
  • Urgent Ambulance by road

What am I covered for?

  • Preventative Dental
  • General Restorative Dental
  • Major Dental and Implants
  • Orthodontics
  • Optical
  • Physiotherapy
  • Chiropractic
  • medical specialty knee 1 (From Streamline App : https://app.streamlineicons.com) Osteopathy
  • Psychology
  • Remedial Massage / Natural Therapies
  • Podiatry
  • medical specialty hearing (From Streamline App : https://app.streamlineicons.com) Hearing Aids
  • Eye Therapy
  • Speech Therapy
  • Exercise Physiology
  • Dietetics and Nutrition
  • Exported from Streamline App (https://app.streamlineicons.com) Occupational Therapy
  • Healthy Living Programs
  • bandage leg (From Streamline App : https://app.streamlineicons.com) Appliances, Prostheses and Aids
  • Pharmaceuticals (non PBS)
  • Urgent Ambulance by road