Compare your extras cover options

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SERVICES EXPLAINED

  • Included benefit

  • Excluded benefit

RECOMMENDED

Basic Extras

Low-cost extras cover for General Dental, Optical and 5 other common services.

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RECOMMENDED

Saver Flexi Extras

Flexible extras cover for 2 essential services, plus 2 more of your choice.
View product sheet
RECOMMENDED

Standard Extras

Extras cover for 19 common services like Optical, General Dental and Major Dental.
View product sheet
RECOMMENDED

Flexi Extras

Flexible extras cover for 10 services of your choice that you can swap at any time.
View product sheet
RECOMMENDED

Top Extras

Top extras cover for total peace of mind.
View product sheet

EXTRAS HEALTH SERVICES BY CATEGORY

Covered for preventative dental treatments, such as consultations and scale & cleans, and general restorative dental treatments such as simple fillings and extractions.

Covered for major dental treatment, which refers to more complex procedures such as a surgical root canal, dentures, crowns, bridges and dental implants.

Covered for orthodontic treatment including braces and retainers.

Cover for prescription glasses and contact lenses to correct vision impairments.

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Fully covered for unlimited urgent ambulance transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Covered for access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Covered for medically necessary appliances that help manage, monitor or treat a health condition. For example, splints, prosthesis, supports and braces.

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Covered for consultations with an Orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Cover for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness.

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Covered for consultations with a Nutritionist, who can provide advice on healthy eating and nutrition for health management.

Covered for Traditional Chinese Medicine, Acupuncture and Hypnotherapy.

Covered for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

Annual limit

Preventative - No limit

Restorative - $350

Waiting period

2 months

Annual limit

$160

Combined annual limit for glasses, prescription lenses and contact lenses

Waiting period

2 months

Annual limit

$250
Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Annual limit

No limit

Waiting period

7 days

Annual limit

One health check

$200

Waiting period

2 months

Annual limit

Preventative - No limit

Restorative - $500

Waiting period

2 months
Your choice

Annual limit

$500

Saver Flexi Extras does not cover dental implants

Waiting period

12 months
Your choice

Annual limit

1 pair of glasses up to $160 (depending on lens type) when purchasing frames with lenses

1 pair of contacts or up to $140 for frequent replacement/disposable lenses

Waiting period

2 months
Your choice

Annual limit

$350

Waiting period

2 months
Your choice

Annual limit

$350

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months
Your choice

Annual limit

$350

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Annual limit

No limit

Waiting period

7 days
Your choice

Annual limit

One health check

$200

Waiting period

2 months
Your choice

Annual limit

$200

Waiting period

2 months
Your choice

Annual limit

10 consultations

$240 per 3 years for Foot Orthoses (including casting)

Waiting period

2 -12 months depending on service
Your choice

Annual limit

$300

Waiting period

2 months

Annual limit

Preventative - No limit

Restorative - $600

Waiting period

2 months

Annual limit

$800

2 complete Implants per person per year

Waiting period

12 months

Annual limit

$500

Lifetime Limit: $1,850

Waiting period

12 months

Annual limit

1 pair of glasses up to $160 (depending on lens type) when purchasing frames with lenses

1 pair of contacts or up to $140 for frequent replacement/disposable lenses

Waiting period

2 months

Annual limit

$350

Waiting period

2 months

Annual limit

$350

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Annual limit

$350

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Annual limit

No limit

Waiting period

7 days

Annual limit

One health check

$200

Waiting period

2 months

Annual limit

$200

Waiting period

2 months

Annual limit

10 consultations

$240 for Foot Orthoses (including casting)

Waiting period

2 -12 months depending on service

Annual limit

$500

Waiting period

2 -12 months depending on service

Annual limit

$500

Annual limits can only be claimed every 3 years

Waiting period

12 months

Annual limit

$500

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Annual limit

$500

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Annual limit

$500

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Annual limit

$720

Waiting period

2 months

Annual limit

$240

Waiting period

2 months
Your choice

Annual limit

Preventative - No limit

Restorative - $600

Waiting period

2 months
Your choice

Annual limit

$1,500

Combined annual limits for Major Dental and Orthodontics

Waiting period

12 months
Your choice

Annual limit

$1,500

Combined annual limits for Major Dental and Orthodontics

Lifetime limit: $2,500

Waiting period

12 months
Your choice

Annual limit

$225

Combined annual limit for glasses, prescription lenses and contact lenses

Waiting period

2 months
Your choice

Annual limit

$400

Waiting period

2 months
Your choice

Annual limit

$400

Waiting period

2 months
Your choice

Annual limit

$400

Waiting period

2 months
Your choice

Annual limit

No limit

Waiting period

7 days
Your choice

Annual limit

One health check

$200

Waiting period

2 months
Your choice

Annual limit

$400

Waiting period

2 months
Your choice

Annual limit

$400

Combined annual limit for Podiatry consults, procedures and Foot Orthoses

Waiting period

2 -12 months depending on service
Your choice

Annual limit

$200

Waiting period

2 months
Your choice

Annual limit

$800

Combined annual limit for Appliances and Hearing Aids

Waiting period

2 -12 months depending on service
Your choice

Annual limit

$800

Combined annual limit for Appliances and Hearing Aids. Hearing aid claims can only be claimed up to the combined annual maximum for appliances every 3 calendar years

Waiting period

12 months
Your choice

Annual limit

$400

Waiting period

2 months
Your choice

Annual limit

$400

Waiting period

2 months
Your choice

Annual limit

$400

Waiting period

2 months
Your choice

Annual limit

$400

Combined annual limit with Psychology

Waiting period

2 months
Your choice

Annual limit

$400

Combined annual limit with Clinical Psychology

Waiting period

2 months
Your choice

Annual limit

$400

Combined annual limit for Dietetics and Nutritionist

Waiting period

2 months
Your choice

Annual limit

$400

Combined annual limit for Dietetics and Nutritionist

Waiting period

2 months
Your choice

Annual limit

$200

Waiting period

2 months
Your choice

Annual limit

$400

Waiting period

2 months

Annual limit

Preventative - No limit

Restorative - No limit

Waiting period

2 months

Annual limit

$800

2 complete Implants per person per 2 years.

Waiting period

12 months

Annual limit

$800

Lifetime limit: $2,800

Waiting period

12 months

Annual limit

1 pair of glasses up to $250 (depending on lens type) when purchasing frames with lenses

1 pair of contacts or up to $200 for frequent replacement/disposable lenses

Waiting period

2 months

Annual limit

$1,000

Waiting period

2 months

Annual limit

$500

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Annual limit

$500

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Annual limit

No limit

Waiting period

7 days

Annual limit

One health check

$350

Waiting period

2 months

Annual limit

$600

Waiting period

2 months

Annual limit

10 consultations

$240 for Foot Orthoses (including casting)

Waiting period

2 -12 months depending on service

Annual limit

$400

Waiting period

2 months

Annual limit

$500

Waiting period

2 -12 months depending on service

Annual limit

$900

Annual limits can only be claimed every 3 years

Waiting period

12 months

Annual limit

$1,000

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Annual limit

$1,000

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Annual limit

$1,000

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Annual limit

$1,400

Waiting period

2 months

Annual limit

$450

Waiting period

2 months

Annual limit

$400

Waiting period

2 months

Annual limit

$200

Waiting period

2 months

Annual limit

$350
Combined annual limit for Traditional Chinese Medicine and Acupuncture

$400
Combined annual limit for Hypnotherapy, Health Monitoring Equipment & Preventative Equipment

Waiting period

2 months

Annual limit

$400

Waiting period

2 months
RECOMMENDED

Low-cost extras cover for General Dental, Optical and 5 other common services.

View product sheet
EXTRAS HEALTH SERVICES

Covered for preventative dental treatments, such as consultations and scale & cleans, and general restorative dental treatments such as simple fillings and extractions.

Annual limit

Preventative - No limit

Restorative - $350

Waiting period

2 months

Covered for major dental treatment, which refers to more complex procedures such as a surgical root canal, dentures, crowns, bridges and dental implants.

Covered for orthodontic treatment including braces and retainers.

Cover for prescription glasses and contact lenses to correct vision impairments.

Annual limit

$160

Combined annual limit for glasses, prescription lenses and contact lenses

Waiting period

2 months

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Annual limit

$250
Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Fully covered for unlimited urgent ambulance transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Annual limit

No limit

Waiting period

7 days

Covered for access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Annual limit

One health check

$200

Waiting period

2 months

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Covered for medically necessary appliances that help manage, monitor or treat a health condition. For example, splints, prosthesis, supports and braces.

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Covered for consultations with an Orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Cover for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness.

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Covered for consultations with a Nutritionist, who can provide advice on healthy eating and nutrition for health management.

Covered for Traditional Chinese Medicine, Acupuncture and Hypnotherapy.

Covered for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

RECOMMENDED
Flexible extras cover for 2 essential services, plus 2 more of your choice.
View product sheet
EXTRAS HEALTH SERVICES

Covered for preventative dental treatments, such as consultations and scale & cleans, and general restorative dental treatments such as simple fillings and extractions.

Annual limit

Preventative - No limit

Restorative - $500

Waiting period

2 months
Your choice

Covered for major dental treatment, which refers to more complex procedures such as a surgical root canal, dentures, crowns, bridges and dental implants.

Annual limit

$500

Saver Flexi Extras does not cover dental implants

Waiting period

12 months

Covered for orthodontic treatment including braces and retainers.

Your choice

Cover for prescription glasses and contact lenses to correct vision impairments.

Annual limit

1 pair of glasses up to $160 (depending on lens type) when purchasing frames with lenses

1 pair of contacts or up to $140 for frequent replacement/disposable lenses

Waiting period

2 months
Your choice

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Annual limit

$350

Waiting period

2 months
Your choice

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Annual limit

$350

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months
Your choice

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Annual limit

$350

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Fully covered for unlimited urgent ambulance transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Annual limit

No limit

Waiting period

7 days
Your choice

Covered for access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Annual limit

One health check

$200

Waiting period

2 months
Your choice

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Annual limit

$200

Waiting period

2 months
Your choice

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Annual limit

10 consultations

$240 per 3 years for Foot Orthoses (including casting)

Waiting period

2 -12 months depending on service
Your choice

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Annual limit

$300

Waiting period

2 months

Covered for medically necessary appliances that help manage, monitor or treat a health condition. For example, splints, prosthesis, supports and braces.

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Covered for consultations with an Orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Cover for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness.

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Covered for consultations with a Nutritionist, who can provide advice on healthy eating and nutrition for health management.

Covered for Traditional Chinese Medicine, Acupuncture and Hypnotherapy.

Covered for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

RECOMMENDED
Extras cover for 19 common services like Optical, General Dental and Major Dental.
View product sheet
EXTRAS HEALTH SERVICES

Covered for preventative dental treatments, such as consultations and scale & cleans, and general restorative dental treatments such as simple fillings and extractions.

Annual limit

Preventative - No limit

Restorative - $600

Waiting period

2 months

Covered for major dental treatment, which refers to more complex procedures such as a surgical root canal, dentures, crowns, bridges and dental implants.

Annual limit

$800

2 complete Implants per person per year

Waiting period

12 months

Covered for orthodontic treatment including braces and retainers.

Annual limit

$500

Lifetime Limit: $1,850

Waiting period

12 months

Cover for prescription glasses and contact lenses to correct vision impairments.

Annual limit

1 pair of glasses up to $160 (depending on lens type) when purchasing frames with lenses

1 pair of contacts or up to $140 for frequent replacement/disposable lenses

Waiting period

2 months

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Annual limit

$350

Waiting period

2 months

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Annual limit

$350

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Annual limit

$350

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Fully covered for unlimited urgent ambulance transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Annual limit

No limit

Waiting period

7 days

Covered for access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Annual limit

One health check

$200

Waiting period

2 months

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Annual limit

$200

Waiting period

2 months

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Annual limit

10 consultations

$240 for Foot Orthoses (including casting)

Waiting period

2 -12 months depending on service

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Covered for medically necessary appliances that help manage, monitor or treat a health condition. For example, splints, prosthesis, supports and braces.

Annual limit

$500

Waiting period

2 -12 months depending on service

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Annual limit

$500

Annual limits can only be claimed every 3 years

Waiting period

12 months

Covered for consultations with an Orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Annual limit

$500

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Annual limit

$500

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Annual limit

$500

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Annual limit

$720

Waiting period

2 months

Cover for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness.

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Annual limit

$240

Waiting period

2 months

Covered for consultations with a Nutritionist, who can provide advice on healthy eating and nutrition for health management.

Covered for Traditional Chinese Medicine, Acupuncture and Hypnotherapy.

Covered for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

RECOMMENDED
Flexible extras cover for 10 services of your choice that you can swap at any time.
View product sheet
EXTRAS HEALTH SERVICES
Your choice

Covered for preventative dental treatments, such as consultations and scale & cleans, and general restorative dental treatments such as simple fillings and extractions.

Annual limit

Preventative - No limit

Restorative - $600

Waiting period

2 months
Your choice

Covered for major dental treatment, which refers to more complex procedures such as a surgical root canal, dentures, crowns, bridges and dental implants.

Annual limit

$1,500

Combined annual limits for Major Dental and Orthodontics

Waiting period

12 months
Your choice

Covered for orthodontic treatment including braces and retainers.

Annual limit

$1,500

Combined annual limits for Major Dental and Orthodontics

Lifetime limit: $2,500

Waiting period

12 months
Your choice

Cover for prescription glasses and contact lenses to correct vision impairments.

Annual limit

$225

Combined annual limit for glasses, prescription lenses and contact lenses

Waiting period

2 months
Your choice

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Annual limit

$400

Waiting period

2 months
Your choice

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Annual limit

$400

Waiting period

2 months
Your choice

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Annual limit

$400

Waiting period

2 months
Your choice

Fully covered for unlimited urgent ambulance transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Annual limit

No limit

Waiting period

7 days
Your choice

Covered for access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Annual limit

One health check

$200

Waiting period

2 months
Your choice

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Annual limit

$400

Waiting period

2 months
Your choice

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Annual limit

$400

Combined annual limit for Podiatry consults, procedures and Foot Orthoses

Waiting period

2 -12 months depending on service
Your choice

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Annual limit

$200

Waiting period

2 months
Your choice

Covered for medically necessary appliances that help manage, monitor or treat a health condition. For example, splints, prosthesis, supports and braces.

Annual limit

$800

Combined annual limit for Appliances and Hearing Aids

Waiting period

2 -12 months depending on service
Your choice

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Annual limit

$800

Combined annual limit for Appliances and Hearing Aids. Hearing aid claims can only be claimed up to the combined annual maximum for appliances every 3 calendar years

Waiting period

12 months
Your choice

Covered for consultations with an Orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Annual limit

$400

Waiting period

2 months
Your choice

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Annual limit

$400

Waiting period

2 months
Your choice

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Annual limit

$400

Waiting period

2 months
Your choice

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Annual limit

$400

Combined annual limit with Psychology

Waiting period

2 months
Your choice

Cover for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness.

Annual limit

$400

Combined annual limit with Clinical Psychology

Waiting period

2 months
Your choice

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Annual limit

$400

Combined annual limit for Dietetics and Nutritionist

Waiting period

2 months
Your choice

Covered for consultations with a Nutritionist, who can provide advice on healthy eating and nutrition for health management.

Annual limit

$400

Combined annual limit for Dietetics and Nutritionist

Waiting period

2 months
Your choice

Covered for Traditional Chinese Medicine, Acupuncture and Hypnotherapy.

Annual limit

$200

Waiting period

2 months
Your choice

Covered for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

Annual limit

$400

Waiting period

2 months
RECOMMENDED
Top extras cover for total peace of mind.
View product sheet
EXTRAS HEALTH SERVICES

Covered for preventative dental treatments, such as consultations and scale & cleans, and general restorative dental treatments such as simple fillings and extractions.

Annual limit

Preventative - No limit

Restorative - No limit

Waiting period

2 months

Covered for major dental treatment, which refers to more complex procedures such as a surgical root canal, dentures, crowns, bridges and dental implants.

Annual limit

$800

2 complete Implants per person per 2 years.

Waiting period

12 months

Covered for orthodontic treatment including braces and retainers.

Annual limit

$800

Lifetime limit: $2,800

Waiting period

12 months

Cover for prescription glasses and contact lenses to correct vision impairments.

Annual limit

1 pair of glasses up to $250 (depending on lens type) when purchasing frames with lenses

1 pair of contacts or up to $200 for frequent replacement/disposable lenses

Waiting period

2 months

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Annual limit

$1,000

Waiting period

2 months

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Annual limit

$500

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Annual limit

$500

Combined annual limits for Chiropractic and Osteopathy

Waiting period

2 months

Fully covered for unlimited urgent ambulance transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Annual limit

No limit

Waiting period

7 days

Covered for access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Annual limit

One health check

$350

Waiting period

2 months

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Annual limit

$600

Waiting period

2 months

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Annual limit

10 consultations

$240 for Foot Orthoses (including casting)

Waiting period

2 -12 months depending on service

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Annual limit

$400

Waiting period

2 months

Covered for medically necessary appliances that help manage, monitor or treat a health condition. For example, splints, prosthesis, supports and braces.

Annual limit

$500

Waiting period

2 -12 months depending on service

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Annual limit

$900

Annual limits can only be claimed every 3 years

Waiting period

12 months

Covered for consultations with an Orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Annual limit

$1,000

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Annual limit

$1,000

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Annual limit

$1,000

Combined annual limit for Occupational Therapy, Eye Therapy and Speech Therapy

Waiting period

2 months

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Annual limit

$1,400

Waiting period

2 months

Cover for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness.

Annual limit

$450

Waiting period

2 months

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Annual limit

$400

Waiting period

2 months

Covered for consultations with a Nutritionist, who can provide advice on healthy eating and nutrition for health management.

Annual limit

$200

Waiting period

2 months

Covered for Traditional Chinese Medicine, Acupuncture and Hypnotherapy.

Annual limit

$350
Combined annual limit for Traditional Chinese Medicine and Acupuncture

$400
Combined annual limit for Hypnotherapy, Health Monitoring Equipment & Preventative Equipment

Waiting period

2 months

Covered for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

Annual limit

$400

Waiting period

2 months

SERVICES EXPLAINED

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Extras Insurance FAQs

Extras insurance, also known as general treatment cover or ancillary cover, helps cover the cost of everyday healthcare services.

These can be minor services like dental check-ups, new glasses, and physio appointments, to more major services like wisdom teeth removal and dental implants.

Medicare generally doesn’t cover extras services, so extras insurance can be a way to help cover those costs.

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 benefit is the amount you can claim back for a service/the amount HBF will pay towards a service.

A lifetime limit is the total amount you can claim for a service over the course of your lifetime. Each person on your policy has their own lifetime limits. A lifetime limit applies to orthodontic cover with HBF. That means, once you’ve claimed for orthodontics, you won’t ever be able to claim again even if you upgrade your level of cover with HBF.

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.

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.

When you buy extras insurance for the first time, if you’ve not had it for a long time, 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 orthodontics) have a waiting period of 12 months or more.