Chiropractic

Chiropractors diagnose and treat health problems related to the musculoskeletal system through manipulation of the spine and other joints.

Chiropractic treatment is used to restore mobility through the correct alignment of the spine, to enable the body to heal itself without surgery or medication.

You might need Chiropractic if you...

  • Are experiencing back pain
  • Experience restricted joint movement caused by a traumatic event

Things you need to know about Chiropractic

Limits and benefits
Chiropractic limits and benefits change depending on your choice of Extras product, the level of cover you choose and how long you’ve been an HBF member.

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Our Flexi Extras product has an annual limit on Chiropractic.

Our Saver Flexi Extras, Standard Extras, Premium Extras Mid and Premium Extras Plus products and our Ultimate Package have a combined annual limit on Chiropractic. Your combined maximum will be shared with any claims you make on Osteopathy.

Our Easy 8 product has a combined annual limit on Chiropractic. Your combined maximum will be shared with any claims you make on Natural Therapies, General Dental, Major Dental, Optical, Osteopathy, Physiotherapy and Remedial Massage services.

Our Young Singles Saver Twin Pack has a combined annual limit on Chiropractic with Physiotherapy, Pharmacy and Podiatry.

Our Smart Saver Twin Pack has a combined annual limit on Chiropractic, which is shared with Physiotherapy. The Prime Health Package also has a combined annual limit, but the maximum will be shared with both Osteopathy and Physiotherapy.

Chiropractic has some service limits. You will only be entitled to one initial individual consultation and one chiropractic x-ray per person, per calendar year.

For more specific information about the limits and benefits covered under each policy, visit the Extras product or package page, or please call us on 133 423.

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Conditions
There are some conditions on Chiropractic.

In order to be covered, your treatment must be medically necessary and carried out by an HBF approved chiropractor, engaged solely in private practice.
More information

For more specific information about what chiropractic services are covered under each policy, please call us on 133 423.

Waiting period
There is a waiting period of two months for this service.

We will honour waiting periods already served more info

Products that include Chiropractic cover

Chiropractic is an Extras service, and is included in the following cover options.

Hospital and Extras Packages

Young Singles Saver Twin Pack
From
$17.70 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    $22
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy, chiropractic, podiatry and pharmacy per year
  • Subsequent individual consultations
    Benefits
    $17
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy, chiropractic, podiatry and pharmacy per year
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    $64
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy, chiropractic, podiatry and pharmacy per year
Smart Saver Twin Pack
From
$29.35 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    $22
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy and chiropractic
  • Subsequent individual consultations
    Benefits
    $17
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy and chiropractic
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    $64
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy and chiropractic
Prime Health Package
From
$38.30 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    $37
    Waiting Period
    2 months
    Maximums
    $1000
  • Subsequent individual consultations
    Benefits
    $30
    Waiting Period
    2 months
    Maximums
    $1000
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    $80
    Waiting Period
    2 months
    Maximums
    $1000
Ultimate Package
From
$90.55 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    90% back
    Waiting Period
    2 months
    Maximums
    $800 under 3 yrs $1000 3-6 yrs $1300 6 yrs and over
  • Subsequent individual consultations
    Benefits
    90% back
    Waiting Period
    2 months
    Maximums
    $800 under 3 yrs $1000 3-6 yrs $1300 6 yrs and over
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    90% back
    Waiting Period
    2 months
    Maximums
    $800 under 3 yrs $1000 3-6 yrs $1300 6 yrs and over

Extras Only

Saver Flexi Extras
From
$5.00 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    $22
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2yrs $450 over 2 & up to 3yrs $500 over 3 yrs
  • Subsequent individual consultations
    Benefits
    $17
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2yrs $450 over 2 & up to 3yrs $500 over 3 yrs
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    $64
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2yrs $450 over 2 & up to 3yrs $500 over 3 yrs
Easy 8
From
$9.15 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    80% back
    Waiting Period
    2 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Subsequent individual consultations
    Benefits
    80% back
    Waiting Period
    2 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    80% back
    Waiting Period
    2 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Standard Extras
From
$8.05 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    $22
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2yrs $450 over 2 & up to 3yrs $500 over 3 yrs
  • Subsequent individual consultations
    Benefits
    $17
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2yrs $450 over 2 & up to 3yrs $500 over 3 yrs
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    $64
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2yrs $450 over 2 & up to 3yrs $500 over 3 yrs
Flexi Extras
From
$12.90 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    $39
    Waiting Period
    2 months
    Maximums
    $300 under 1yr $350 over 1yr & up to 2yrs $400 over 2yrs & up to 3yrs $450 over 3yrs and under 4yrs $500 over 4yrs
  • Subsequent individual consultations
    Benefits
    $27
    Waiting Period
    2 months
    Maximums
    $300 under 1yr $350 over 1yr & up to 2yrs $400 over 2yrs & up to 3yrs $450 over 3yrs and under 4yrs $500 over 4yrs
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    $64
    Waiting Period
    2 months
    Maximums
    $300 under 1yr $350 over 1yr & up to 2yrs $400 over 2yrs & up to 3yrs $450 over 3yrs and under 4yrs $500 over 4yrs
Premium Extras Mid
From
$12.15 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    $30
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2yrs $450 over 2 & up to 3yrs $500 over 3 yrs
  • Subsequent individual consultations
    Benefits
    $24
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2yrs $450 over 2 & up to 3yrs $500 over 3 yrs
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    $80
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2yrs $450 over 2 & up to 3yrs $500 over 3 yrs
Premium Extras Plus
From
$19.15 (i)
per week
  • Initial individual consultation - 1 pp per calendar yr
    Benefits
    $36
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2 yrs $450 over 2 & up to 3 yrs $500 over 3 yrs
  • Subsequent individual consultations
    Benefits
    $28
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2 yrs $450 over 2 & up to 3 yrs $500 over 3 yrs
  • Chiropractic xray - 1 pp per calendar yr
    Benefits
    $107
    Waiting Period
    2 months
    Maximums
    $350 under 1 yr $400 over 1 & up to 2 yrs $450 over 2 & up to 3 yrs $500 over 3 yrs