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Premium Mid is a comprehensive extras insurance that covers you for a wide range of services including Dental, Optical, Physio, Clinical Psych, Appliances, Hearing Aids, and Podiatry. Features very generous annual maximums, so you can claim more often, and enjoy a 70% benefit at HBF Member Plus dental providers.
General Dental is a service that covers the more common dental treatments you might have during a routine visit to the dentist.
We will honour waiting periods already served
Major Dental is designed to help cover the costs of more considerable treatments you receive from a dentist, prosthetist, or specialist dentist.
It allows you more choice when you require dental treatment, and provides reassurance that if a more in-depth problem is found, you won’t be left paying large out of pocket expenses.
Implants and Orthodontics Dental is designed to help you cover the higher costs of complex dental treatment.
These procedures require treatment by a specialist Orthodontist, Periodontist or Prosthodontist, and generally involve repeat visits over a longer period of time.
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.
Glasses is a service that can help you access medically necessary vision correction. Glasses aren’t a permanent solution to correct vision, but they are an accessible, flexible solution for the ongoing management of poor vision.
Depending on what you need, our Glasses service means you can claim on complete glasses, or just lenses, depending on what you need.
Like glasses, contact lenses are not a permanent solution to correct vision, but they are an accessible, flexible solution for the ongoing management of poor vision.
Osteopaths identify and treat bone, joint and other disorders through massage and the manipulation of muscle tissue and bones.
Osteopaths can help relieve neck or back pain, sports injuries and recurring headaches, as well as help improve general health and wellbeing.
Physiotherapists diagnose and treat musculoskeletal injuries and other disorders through physical therapy.
They can help people affected by injury, illness or disability regain and maintain movement and physical function.
Covers circumstances classified by St John Ambulance as requiring urgent attention
Foot orthoses (also called orthotics) are shoe inserts that help support the feet, improve foot posture and correct any imbalances. These can either be selected ‘off the shelf’ or made from scratch using a plaster cast of your foot.
Foot orthoses can help treat chronic foot or leg problems, including corns and calluses, foot ulceration, tendonitis and recurring ankle sprains. A Podiatrist can help design and fit foot orthoses to your feet.
Appliances is a service that can help you access medically necessary equipment, devices or aids.
This means we’ll pay a benefit towards the cost to purchase or hire an approved health aid that assists you in managing, monitoring or treating a condition.
Health Monitoring Equipment is only included in the following cover options, Ultimate Package, Flexi Extras and Premium Extras Plus.
Clinical Psychology aims to assess, diagnose and treat mental illness, abnormal behaviour and psychiatric problems.
Clinical psychologists are highly trained in the delivery of therapies that assist in treating mental health disorders. These may range from mild, to severe and complex.
Dietetics is a service that helps you access the advice of Dietitian. Dietitians help promote healthy living to prevent and treat illness.
They can advise you on what to eat and help you make healthier lifestyle choices in order to achieve specific health-related goals.
Hearing Aids is a service that helps cover the costs associated with getting a personal Hearing Aid. A Hearing Aid is a miniature amplification system that’s worn in, or behind, the ear in order to enhance sound.
Hearing Aids don’t correct hearing loss, but help make sounds more accessible for those with impaired hearing.
Occupational Therapists assess how you engage with a task or experience, and the environment in which it takes place. They are then able to help you modify your action, thinking or environment, in order to better support your wellbeing.
Eye Therapy is a service that helps you access the care of an Orthoptist. Orthoptists are eye health professionals who detect, diagnose and manage eye disorders in adults and children, without the need for surgery.
They work collaboratively with optometrists and ophthalmologists (eye surgeons) to help keep eyes healthy.
Complementary Therapies is a group of non-invasive treatments, designed to help stimulate the body’s self-healing response.
They are often used together with the healthcare you receive from western medical practitioners.
A Friendlies Health Check is a screening tool used to assess your risk of developing Type 2 Diabetes and/or Cardiovascular Disease in the next five years.
A Friendlies Health Check should be used in conjunction with your doctor’s advice, so you can take steps to reduce your risk of disease, improve your health and general wellbeing.
To learn more about this service or to book your Friendlies Health Check, head to their website.
Healthy Living Programs give you access to a range of HBF approved health services, such as flu vaccinations, weight management programs and health checks.
These programs are designed to prevent illness, help you make healthy changes to your lifestyle and manage your overall health and wellbeing.
Check your product in the list below to make sure your service is covered.
Fully covered flu vaccinations at selected Friendlies pharmacies.
Flu Vaccinations is an annual vaccination service that helps protect you from the highly variable and infectious influenza virus. Flu vaccinations are available to claim prior to the flu season in April and May.
If you're after a service not included in Premium Extras Mid, you'll probably find it in one of our other Extras options. To view these options, just select a service from the list below.
Covers 18 of the most commonly used extras, including general dental, optical and physio. Also includes useful services like podiatry and clinical psychology, and 60% back on dental at Member Plus dentists. Ideal if you’re looking for a broad range of services at an affordable price.
A Comprehensive product which covers all Extras services with high benefits our most generous annual limits. Includes coverage for all the most commonly claimed services such as Dental, Optical, Physio, and chiro, as well as our full range of wellness services such as Yoga, pilates, remedial massage, travel vaccinations, and health programs.
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