Top 70 EXTRAS COVER

Top cover for a wide range of extras services for peace of mind. from $18.15 weekly

Join by 18 October 2020 on eligible Hospital and Extras cover and get 6 weeks free after 6 months with us.

Learn more.

Why choose Top 70?

Comprehensive cover

High limit cover for a wide range of extras services

70% back

Get 70% or more back every time you claim

Choice

Choose any health provider and get a benefit of 70% or more back

Our highest level of cover for total peace of mind

Key inclusions:

No annual limit for Preventative Dental
No annual limit for General Restorative Dental
Optical
$275 annual limit for Optical
Cover for Orthodontics which includes braces and retainers
Urgent Ambulance
No annual limit for Urgent Ambulance by road 1

Cover for a wide range of extras services:

Preventative Dental
General Dental
General Restorative Dental
Major Dental and Implants
Orthodontics
Optical
Optical
Physiotherapy
Physiotherapy
Chiropractic
Chiropractic
Osteopathy
Osteopathy
Psychology
Psychology
Remedial Massage / Myotherapy
Remedial Massage / Natural Therapies
Podiatry
Podiatry
Hearing Aid
Hearing Aids
Eye Therapy
Eye Therapy
Speech Therapy
Speech Therapy
Exercise Physiology
Exercise Physiology
Dietetics
Dietetics and Nutrition
Occupational Therapy
Occupational Therapy
Healthy Living Programs
Healthy Living Programs
Appliances, Prostheses and Aids
Appliances, Prostheses and Aids
Pharmacy
Pharmaceuticals (non PBS)

Comprehensive cover. Great benefits.

Top 70 and Complete 60 give you access to our most comprehensive Extras cover.

Whether you want peace of mind with affordable cover, or you prefer higher benefits, we've got you covered.

Compare your options

from $10.00 per week
60% or more back every time you claim
85% back on Preventative Dental at Member Plus providers
Medium annual limits across your included services
from $18.15 per week
70% or more back every time you claim
100% back on Preventative Dental at Member Plus providers
High annual limits across your included services

All-new extras cover

We've redesigned our extras cover to give you more choice, control and value.

What do we mean by choice? Well, you can get a great benefit at any provider of your choice. No more switching your physio or chiro just to get more back!

What do we mean by control? Well, with combined annual limits on popular services you can control where and how you use your limits.

What do we mean by value? Well, have a look at our all‑new extras and see for yourself.

Need some help finding the right cover for you?

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


Find my cover >

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

Commonly asked questions

How much will I get back?

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.

What does extras insurance cover?

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

What does extras insurance not 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.

What is a lifetime limit?

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.

What is an annual limit?

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 can I start using my extras insurance?

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.

Get in touch with HBF

We'll help you find our best cover that suits your needs.