Affordable extras cover for 22 common services

Covers the most commonly used health services, including dental, optical, physio and chiro. A great choice if you want cover for a wide range of treatments at an affordable price.

Standard Extras benefits

  • 60% back on dental at HBF Member Plus dentists
  • A pair of fully covered glasses each year
  • Cover for 18 popular extras
  • Join now and claim now^ - waiting periods waived

Includes cover for the following services

Extras services

  • General Dental

    General Dental is a service that covers the more common dental treatments you might have during a routine visit to the dentist.

    Make the most of your benefits by visiting one of HBF's Member Plus dental providers.

    Included services
    Consultations and examinations*
    Tooth Extraction*
    Fillings (direct)*
    Mouthguards*
    Scale and Clean*
    Benefits
    Select a service above for specific benefits
    Maximums
    No limit
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Visit a Member Plus dental provider and receive 60% back and a fully covered scale and clean each calendar year. Plus there’s no gap to pay for kids on preventative dental services at Member Plus dental providers.
  • Major Dental

    Major Dental is designed to help cover the costs of more considerable treatments you receive from a dentist, prosthesist, 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.

    Included services
    Dental Bridges*
    Dental Crowns*
    Full Dentures*
    Root canal treatment
    Tooth coloured fillings – indirect*
    Veneer – direct*
    Veneer – indirect*
    Benefits
    Select a service above for specific benefits
    Maximums
    $500 under 3 yrs
    $880 over 3 & up to 5yrs
    $1,760 over 5 & up to 10 yrs
    $2,035 over 10 yrs
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Visit a member Plus dental provider and receive 60% back and a fully covered scale and clean each calendar year. Plus there’s no gap to pay for kids on preventative dental services at member Plus dental providers.
  • Dental - Implants and Orthodontics

    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.

    Included services
    Braces*
    Implants*
    Benefits
    Select a service above for specific benefits
    Maximums
    $500 under 3 yrs
    $800 over 3 & up to 5yrs
    $1,600 over 5 & up to 10 yrs
    $1,850 over 10 yrs
    2 complete implants pp per 2 yrs
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Sub limit included in overall maximums ($ limit combined for orthodontics & implants). Visit a Member Plus dental provider and receive 60% back. Orthodontic benefits for banding is for the full course of treatment and includes all associated treatment and/or adjustments following the fitting of appliances.
  • 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.

    Included services
    Chiropractic xray - 1 pp per calendar yr*
    Initial individual consultation - 1 pp per calendar yr*
    Subsequent individual consultations*
    Benefits
    Select a service above for specific benefits
    Maximums
    $350 under 1 yr
    $400 over 1 & up to 2yrs
    $450 over 2 & up to 3yrs
    $500 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Chiropractic and osteopathy maximums combined. Maximum includes x-ray.
  • Glasses

    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.

    Included services
    Frames and bifocal or multifocal lenses
    Frames & single vision lenses
    Frames & tri-focal/progressive lenses
    Benefits
    Select a service above for specific benefits
    Maximums
    1 pair of glasses
    $120 sub-limit for frames when purchased without lenses
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Contact Lenses
    Contact Lenses can help you access medically necessary vision correction. 

    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.

    Included services
    Bi-focal progressive lenses
    Frequent replacement disposable contact lenses
    Spherical rigid or soft contact lenses
    Toric – rigid or soft lenses
    Benefits
    Select a service above for specific benefits
    Maximums
    1 pair of contacts or up to $140 for frequent replacement/ disposable lenses per yr
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Osteopathy

    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.

    Included services
    Initial individual consultation - 1 pp per calendar yr*
    Subsequent individual consultations*
    Benefits
    Select a service above for specific benefits
    Maximums
    $350 under 1 yr
    $400 over 1 & up to 2yrs
    $450 over 2 & up to 3yrs
    $500 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Chiropractic and osteopathy maximums combined.
  • Physiotherapy

    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.

    Included services
    Group consultations
    Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Initial consultation
    Subsequent consultations
    Benefits
    Select a service above for specific benefits
    Maximums
    $500 under 1 yr
    $600 over 1 & up to 2yrs
    $700 over 2 & up to 3yrs
    $800 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Urgent ambulance

    Covers circumstances classified by St John Ambulance as requiring urgent attention

    Benefits
    Cover for urgent ambulance transport
    Maximums
    No limit
    Waiting periods
    7 days

    We will honour waiting periods already served more info

    HBF will cover the cost for urgent ambulance transport by road only for circumstances classified by the state ambulance provider as requiring urgent attention. HBF will not pay a benefit for air ambulance services. Urgent ambulance transport covers circumstances classified by St John Ambulance as requiring urgent attention.
  • Pharmacy
    Pharmaceuticals pays a benefit on items not covered by the Government Pharmaceutical Benefits Scheme (PBS), and allows you to access a broader range of medications at an affordable cost.  

    Included services
    For pharmaceuticals listed on the HBF Pharmacy Benefit Schedule
    Benefits
    Cost of medicine less member co-payment
    Maximums
    $200 under 3 yrs
    $300 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    This may vary depending on the medication.
  • Podiatry consults
    Podiatrists are trained professionals who diagnose, treat and prevent conditions that affect the health of the feet. 

    Podiatrists can help you maintain the health of your feet through treatment, exercises and regular monitoring.

    Included services
    Brief consultations (clinic based)
    Comprehensive consultations (clinic based)
    Initial consultation (clinic based)
    Intermediate consultations (clinic based)
    Benefits
    Select a service above for specific benefits
    Maximums
    10 consultations
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Podiatry (includes foot orthotics)

    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.

    Included services
    Diagnostic testing and biomechanical evaluation
    Foot orthoses - including casting
    Benefits
    Select a service above for specific benefits
    Maximums
    Select a service above for specific maximums
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Foot orthoses must be medically necessary and custom-made from one of the following providers approved by HBF: podiatrist, orthotist, pedorthist or surgical bootmaker.
  • Appliances

    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.

    Included services
    Blood Glucose Monitor
    Charges for most appliances
    Nebuliser
    Benefits
    Select a service above for specific benefits
    Maximums
    Select a service above for specific maximums
    Waiting periods
    1–2 yrs depending on appliance

    We will honour waiting periods already served more info

  • Clinical Psychology

    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.

    Included services
    Assessment
    Couple or family treatment
    Group treatment
    Individual treatment/management
    Benefits
    Select a service above for specific benefits
    Maximums
    $720 pp per yr
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Provider must be registered with the relevant national board with an endorsement of clinical psychology, and approved by HBF.
  • Dietetics

    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.

    Included services
    Group consultations
    Initial individual consultation
    Subsequent individual consultations
    Benefits
    Select a service above for specific benefits
    Maximums
    $240
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Hearing Aids

    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.

    Benefits
    $550 over 3 & up to 5yrs
    $600 over 5 & up to 10yrs
    $650 over 10 yrs
    Maximums
    One pp per 5 yrs under 15 yrs
    One pp per 3 yrs over 15 yrs
    Waiting periods
    36 months

    We will honour waiting periods already served more info

  • Occupational Therapy

    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.

    Included services
    Group consultations*
    Initial individual consultation*
    Other individual consultations - less than 30 mins*
    Other individual consultations - more than 30 mins*
    Benefits
    Select a service above for specific benefits
    Maximums
    $500 under 3 yrs
    $800 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Occupational therapy, orthoptics (eye therapy) and speech therapy maximums combined
  • Eye Therapy (Orthoptics)

    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.

    Included services
    Colour vision test – 1 pp per calendar yr*
    Individual consultations – over 30 mins*
    Individual consultations – up to 30 mins*
    Visual field test – 2 pp per calendar yr*
    Benefits
    Select a service above for specific benefits
    Maximums
    $500 under 3 yrs
    $800 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Occupational therapy, orthoptics (eye therapy) and speech therapy maximums combined
  • Speech Therapy
    Speech Therapists help diagnose and treat people with communication and swallowing disorders. 

    They assist people of all ages (including babies and children) with a range of problems, including speech, language and fluency difficulties, and trouble swallowing.
    Included services
    Group consultations*
    Initial individual consultation – 45 to 90 minutes*
    Initial individual consultation – Up to 45 minutes*
    Subsequent individual consultations – 45 to 90 minutes*
    Subsequent individual consultations – Up to 45 minutes*
    Benefits
    Select a service above for specific benefits
    Maximums
    $500 under 3 yrs
    $800 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Occupational therapy, orthoptics (eye therapy) and speech therapy maximums combined
  • Friendlies Health Check

    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.

    Benefits
    One fully covered Friendlies Health Check when provided at selected Friendlies pharmacies.

    Claremont
    Falcon
    High Wycombe
    Joondanna
    Leederville
    Sorrento
    Subiaco
    Wanneroo
    Brookfield Place
    Enex100
    Hay Street
    Maximums
    One Friendlies Health Check per person per calendar year.
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Healthy Living Programs

    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.

    Included services
    Flu vaccinations
    Friendlies Health Check
    Friendlies 12-Week Health Program
    Health education programs
    Living Longer Living Stronger
    Quit smoking programs
    Weight management programs
    Benefits
    Select a service above for specific benefits
    Maximums
    Select a service above for specific maximums
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    For HBF approved programs only.
  • Flu Vaccinations

    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.

    Benefits
    100% when provided at selected Friendlies pharmacies.

    Claremont
    Falcon
    High Wycombe
    Joondanna
    Leederville
    Sorrento
    Subiaco
    Wanneroo
    Brookfield Place
    Enex100
    Hay Street
    Maximums
    1 Flu Vaccination
    Waiting periods
    2 months

    We will honour waiting periods already served more info

Get the most out of your HBF membership with these great Momentum member benefits:

Free outdoor fitness sessions for members
Free health check at Friendlies pharmacies1
Discount movie tickets and gym memberships
20% off Run for a Reason entry cost
Online claiming and member services with myHBF
Discounted entry at Perth Zoo, Adventure World and more

Couldn't find what you were looking for?

Tell us which services you need cover for and we'll recommend a product for you.

Get a recommendation