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Occupational and speech therapy cover

Build skills, boost confidence and unlock potential with occupational therapy (OT) and speech therapy cover.
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Increase confidence and independence

Gain skills to improve quality of life

Assistance after an illness or injury

Occupational therapy can help with:

  • Fine motor skills, such as writing and drawing
  • Gross motor skills, such as walking and running
  • Sensory processing, such as extreme responses to loud noises and bright lights
  • Activities of Daily Living (ADLs), such as showering, dressing, eating and toileting
  • Cognitive skills, such as attention, memory and problem solving

Speech therapy can help with:

  • Speech
  • Language
  • Social communication
  • Swallowing (dysphagia)
  • Cognitive-linguistic skills (perception, attention and visual/spatial processing)

Compare HBF cover

Sign up online

Occupational Therapy, and Speech Therapy is included on HBF Core Extras, Complete 60 and Top 70 extras covers. Once you have picked an extras product that suits your needs, you can sign up online in just a few minutes or contact us to discuss your options.

Serve any applicable waiting periods

If you are new to private health insurance, you will need to serve waiting periods. If you are switching from another policy or fund, waiting periods may apply so please contact us before starting treatment.

Check your benefits and limits and get a quote

You can check your occupational and/or speech therapy benefits and annual limits by logging into the HBF App or myHBF. To get an extras benefit quote, you’ll just need a service quote from your provider before calling us on 133 423.

Book an appointment

You can book an appointment at any HBF approved provider. To see if your provider is approved, check online or call us on 133 423.

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:

Learn more about extras cover

Waiting periods for extras vary between health funds, but with HBF most services have a two-month waiting period, while more high-cost services (like major dental) have a waiting period of 12 months or more.

If you're switching to HBF from another health fund and you've already claimed some of your benefits in the same calendar year, any claims you have made with your previous fund this calendar year will result in an adjustment of the annual limit you can claim with us for the rest of the year. For example, if you have claimed $300 on Exercise Physiology with your current fund and you join HBF on Top 70, which has a combined annual limit of $600 with Physiotherapy, you may be able to claim $300 with us this calendar year provided you haven’t also made a claim for Physiotherapy services. Annual limits reset on 1 January each year.

If your new HBF cover has a service with a lifetime limit, we will take into account all claims you have made for that service previously, regardless of the year they were made.

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