Discover your health insurance options

Hospital cover for Overseas

Choose from 4 hospital products that can cover your in-hospital and out-of-hospital medical needs.

Add Extras cover to your Hospital cover from $2.92 per week

Working Visa Hospital cover

from

$24.95*

per week

Hospital cover suitable for 457 visas and more

recommended

Working Visa Hospital cover

from

$24.95*

per week

Hospital cover suitable for 457 visas and more

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
No waiting period (12 months for pre-existing ailments)
Single private room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Gap cover

When medical practitioners charge more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. To help avoid this, HBF makes agreements with doctors, specialists and anaesthetists so members are fully covered when they receive treatment by them. HBF can inform members of practitioners who have an agreement with HBF, including whether the practitioner provides fully covered or known-gap treatment.

Waiting period
No waiting period (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
No waiting period (12 months for pre-existing ailments)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Waiting period
12 months
IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period
No waiting period (12 months for pre-existing ailments)
Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Waiting period
No waiting period (12 months for pre-existing ailments)
Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Waiting period
No waiting period (12 months for pre-existing ailments)
Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Waiting period
No waiting period (12 months for pre-existing ailments)
Non PBS in-hospital pharmacy

Covered for most medications that you receive as an in-patient at an HBF Member Plus Hospital, including Pharmaceutical Benefits Scheme (PBS) gap items.

Annual limits
$2000
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

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

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Working Visa Hospital and Medical cover

from

$40.75*

per week

Hospital and medical cover for 457 visas and more

recommended

Working Visa Hospital and Medical cover

from

$40.75*

per week

Hospital and medical cover for 457 visas and more

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
No waiting period (12 months for pre-existing ailments)
Single private room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Waiting period
No waiting period (12 months for pre-existing ailments)
Gap cover

When medical practitioners charge more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. To help avoid this, HBF makes agreements with doctors, specialists and anaesthetists so members are fully covered when they receive treatment by them. HBF can inform members of practitioners who have an agreement with HBF, including whether the practitioner provides fully covered or known-gap treatment.

Waiting period
No waiting period (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
No waiting period (12 months for pre-existing)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Waiting period
12 months
IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period
No waiting period (12 months for pre-existing ailments)
Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Waiting period
No waiting period (12 months for pre-existing ailments)
Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Waiting period
No waiting period (12 months for pre-existing ailments)
Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Waiting period
No waiting period (12 months for pre-existing ailments)
Non PBS in-hospital pharmacy

Covered for most medications that you receive as an in-patient at an HBF Member Plus Hospital, including Pharmaceutical Benefits Scheme (PBS) gap items.

Annual limits
$2000
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

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

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Standard Overseas Visitors cover

from

$25.75*

per week

Great value cover for hospital and medical essentials

recommended

Standard Overseas Visitors cover

from

$25.75*

per week

Great value cover for hospital and medical essentials

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
No waiting period (12 months for pre-existing ailments)
Single private room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Gap cover

When medical practitioners charge more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. To help avoid this, HBF makes agreements with doctors, specialists and anaesthetists so members are fully covered when they receive treatment by them. HBF can inform members of practitioners who have an agreement with HBF, including whether the practitioner provides fully covered or known-gap treatment.

Waiting period
No waiting period (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
No waiting period (12 months for pre-existing)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Non PBS in-hospital pharmacy

Covered for most medications that you receive as an in-patient at an HBF Member Plus Hospital, including Pharmaceutical Benefits Scheme (PBS) gap items.

Annual limits
$2000
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

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

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Comprehensive Overseas Visitors cover

from

$61.45*

per week

The most comprehensive overseas visitor health cover

recommended

Comprehensive Overseas Visitors cover

from

$61.45*

per week

The most comprehensive overseas visitor health cover

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
No waiting period (12 months for pre-existing ailments)
Single private room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Waiting period
No waiting period (12 months for pre-existing ailments)
Gap cover

When medical practitioners charge more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. To help avoid this, HBF makes agreements with doctors, specialists and anaesthetists so members are fully covered when they receive treatment by them. HBF can inform members of practitioners who have an agreement with HBF, including whether the practitioner provides fully covered or known-gap treatment.

Waiting period
No waiting period (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
No waiting period (12 months for pre-existing)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Waiting period
12 months
IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period
No waiting period (12 months for pre-existing ailments)
Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Waiting period
No waiting period (12 months for pre-existing ailments)
Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Waiting period
No waiting period (12 months for pre-existing ailments)
Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Waiting period
No waiting period (12 months for pre-existing ailments)
Non PBS in-hospital pharmacy

Covered for most medications that you receive as an in-patient at an HBF Member Plus Hospital, including Pharmaceutical Benefits Scheme (PBS) gap items.

Annual limits
$2000
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

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

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Extras cover for Overseas

Choose from 7 extras products that cover you for everyday health care services. Get cover for services you're likely to use like dental, optical and physio.

Add Hospital cover to your Extra's cover from $15.50 per week

Dental Saver

from

$2.95*

per week

Straightforward dental insurance

recommended

Dental Saver

from

$2.95*

per week

Straightforward dental insurance

recommended
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
$400 per person, per year
Benefit back
$22 - $99 dependant on service
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Physiotherapy

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

Chiropractic

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

Osteopathy

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

Glasses

Cover for prescription spectacles to correct vision disorders.

Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage

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

Exercise physiology

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

Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Podiatry orthoses

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

Pharmacy

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

Healthy living programs

Healthy Living Programs give you 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.

Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Dietitian

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

Nutritionist

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

Clinical psychology

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

Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

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

Speech therapy

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

Eye therapy

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

Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Hearing aids

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

Urgent ambulance

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

Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Saver Flexi Extras

from

$5.00*

per week

Great value extras cover for 4 essential services

recommended

Saver Flexi Extras

from

$5.00*

per week

Great value extras cover for 4 essential services

recommended
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
No limit
Benefit back
$22 - $99 dependant on service (60% - 80% back at Member Plus Provider)
Waiting period
2 months
Major dental
You choose

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Annual limits
$500
Benefit back
$64 - $490 dependant on service (60% - 80% back at Member Plus Provider)
Waiting period
12 months
Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Physiotherapy
You choose

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

Annual limits
$500 - $1000
Benefit back
$8 - $64 dependant on service
Waiting period
2 months
Chiropractic
You choose

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

Annual limits
$350
Benefit back
$17 - $107 dependant on service
Waiting period
2 months
Osteopathy
You choose

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

Annual limits
$350 combined with Chiropractor annual limits
Benefit back
$17 - $64 dependant on service
Waiting period
2 months
Glasses
You choose

Cover for prescription spectacles to correct vision disorders.

Annual limits
1 pair of glasses. $120 sub-limit for frames when purchased without lenses
Benefit back
$120 - $160 dependant on services (30% of all frames covered from Member Plus Optical Store)
Waiting period
2 months
Contacts
You choose

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
1 pair of contacts or up to $140 for frequency replacement/disposable lenses per year
Benefit back
$127 - $204 dependent on services
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage
You choose

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

Annual limits
$300 - $400
Benefit back
$28 - $40 dependant on service and level of cover
Waiting period
2 months
Exercise physiology

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

Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Podiatry consultations
You choose

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Annual limits
10 consultations
Benefit back
$14 - $26 dependant on service
Waiting period
Consultations – 2 months. Foot Orthotics – 12 months
Podiatry orthoses
You choose

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

Annual limits
$240 per 3 years for Foot Orthoses & Casting $60 per 3 years for Foot Orthoses Testing & Evaluation
Benefit back
$60 - $240 dependent on service
Waiting period
12 months
Pharmacy
You choose

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

Annual limits
$200 - $300
Benefit back
Cost of medicine less member co-payment
Waiting period
2 months
Healthy living programs

Healthy Living Programs give you 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.

Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Dietitian

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

Nutritionist

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

Clinical psychology

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

Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

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

Speech therapy

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

Eye therapy

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

Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Hearing aids

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

Urgent ambulance

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

Annual limits
No limit
Benefit back
Cover for urgent ambulance transport by road if circumstance is classified as 'urgent' by the state ambulance provider
Waiting period
7 days
Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Standard Extras

from

$8.05*

per week

Affordable extras cover for 22 common services

recommended

Standard Extras

from

$8.05*

per week

Affordable extras cover for 22 common services

recommended
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
No limit
Benefit back
$22 - $99 dependant on service (60% back at Member Plus Provider)
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Annual limits
$500
Benefit back
$64 - $490 dependant on service (60% back at Member Plus Provider)
Waiting period
12 months
Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Annual limits
$500
Benefit back
up to $500 dependant on service (60% back at Member Plus Provider)
Waiting period
12 months
Physiotherapy

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

Annual limits
$500
Benefit back
$8 - $48 dependant on service
Waiting period
2 months
Chiropractic

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

Annual limits
$350
Benefit back
$17 - $64 dependant on service
Waiting period
2 months
Osteopathy

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

Annual limits
$350 combined with Chiropractor annual limits
Benefit back
$17 - $22 dependant on service
Waiting period
2 months
Glasses

Cover for prescription spectacles to correct vision disorders.

Annual limits
1 pair of glasses. $120 sub-limit for frames when purchased without lenses
Benefit back
$120 - $160 dependant on services
Waiting period
2 months
Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
1 pair of contacts or up to $140 for frequency replacement/disposable lenses per year
Benefit back
$127 - $204 dependant on services
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage

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

Exercise physiology

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

Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Annual limits
10 consultations
Benefit back
$14 - $26 dependant on service
Waiting period
2 months
Podiatry orthoses

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

Annual limits
$240 per 3 years for Foot Orthoses & Casting $60 per 3 years for Foot Orthoses Testing & Evaluation
Benefit back
$60 - $240 dependant on service
Waiting period
12 months
Pharmacy

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

Annual limits
$200
Benefit back
Cost of medicine less member co-payment
Waiting period
2 months
Healthy living programs

Healthy Living Programs give you 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 limits
$200 ($150 combined sublimit for Health education programs, Weight Management and Living Longer Living Stronger)
Benefit back
60% - 100% dependent on service
Waiting period
2 months
Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Annual limits
1 x health check per person, per year
Benefit back
1 x health check at Friendlies Pharmacies
Waiting period
2 months
Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Annual limits
1 x flu vaccination
Benefit back
100%
Waiting period
2 months
Dietitian

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 limits
$240 per person, per year
Benefit back
$8 - 33 dependent on service
Waiting period
2 months
Nutritionist

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

Clinical psychology

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

Annual limits
$720 per person, per year
Benefit back
$22- $79 dependant on service
Waiting period
2 months
Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

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

Annual limits
$500
Benefit back
$8 - $36 dependent on service
Waiting period
2 months
Speech therapy

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 limits
$500
Benefit back
$8 - $74 dependent on service
Waiting period
2 months
Eye therapy

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

Annual limits
$500
Benefit back
$22 - $42 dependent on service
Waiting period
2 months
Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Annual limits
dependent on service
Benefit back
$180 - $200
Waiting period
1–2 yrs depending on appliance
Hearing aids

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

Annual limits
1 per person, per 5 years under 15 years old 1 per person, per 3 years over 15 years old
Benefit back
$550
Waiting period
36 months
Urgent ambulance

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

Annual limits
No limit
Benefit back
Cover for urgent ambulance transport by road if circumstance is classified as 'urgent' by the state ambulance provider
Waiting period
7 days
Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Easy 8

from

$9.15*

per week

Extras cover for our 8 most popular services

recommended

Easy 8

from

$9.15*

per week

Extras cover for our 8 most popular services

recommended
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
$800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
$28 - $165 dependent on service (80% back at Member Plus Provider)
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Annual limits
$800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
$92 - $800 dependent on service (80% back at Member Plus Provider)
Waiting period
12 months
Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Physiotherapy

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

Annual limits
$800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
80% back
Waiting period
2 months
Chiropractic

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

Annual limits
$800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
80% back
Waiting period
2 months
Osteopathy

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

Annual limits
$800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
80% back
Waiting period
2 months
Glasses

Cover for prescription spectacles to correct vision disorders.

Annual limits
$300. Form part of $800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
100% back
Waiting period
2 months
Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
$300 as part of $800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
100% back
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage

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

Annual limits
$800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
80% back
Waiting period
2 months
Exercise physiology

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

Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Annual limits
$800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
80% back
Waiting period
2 months
Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Podiatry orthoses

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

Pharmacy

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

Healthy living programs

Healthy Living Programs give you 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.

Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Annual limits
1 x health check per person, per year
Benefit back
1 x health check at Friendlies Pharmacies
Waiting period
2 months
Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Dietitian

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

Nutritionist

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

Clinical psychology

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

Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

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

Speech therapy

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

Eye therapy

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

Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Hearing aids

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

Urgent ambulance

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

Annual limits
No limit
Benefit back
Cover for urgent ambulance transport by road if circumstance is classified as 'urgent' by the state ambulance provider
Waiting period
7 days
Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Premium Extras Mid

from

$12.15*

per week

High benefit extras cover for 23 common services

recommended

Premium Extras Mid

from

$12.15*

per week

High benefit extras cover for 23 common services

recommended
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
No limit
Benefit back
$24 - $132 dependent on service (70% back at Member Plus Provider)
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Annual limits
$600
Benefit back
$69 - $620 dependent on service (70% back at Member Plus Provider)
Waiting period
12 months
Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Annual limits
$600
Benefit back
up to $600 dependent on service (70% back at Member Plus Provider)
Waiting period
12 months
Physiotherapy

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

Annual limits
$600
Benefit back
$12 - $56 dependent on service
Waiting period
2 months
Chiropractic

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

Annual limits
$350
Benefit back
$24 - $80 dependent on service
Waiting period
2 months
Osteopathy

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

Annual limits
$350 combined with Chiropractor annual limits
Benefit back
$24 - $30 dependent on service
Waiting period
2 months
Glasses

Cover for prescription spectacles to correct vision disorders.

Annual limits
1 pair of glasses. $150 sub-limit for frames when purchased without lenses
Benefit back
$150 - $210
Waiting period
2 months
Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
1 pair of contacts or up to $160 for frequency replacement/disposable lenses per year
Benefit back
$160 - $276 dependent on service
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage

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

Exercise physiology

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

Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Annual limits
$350
Benefit back
$24
Waiting period
2 months
Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Annual limits
10 consultations
Benefit back
$17 - $32 dependent on service
Waiting period
2 months
Podiatry orthoses

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

Annual limits
$240 per 3 years for Foot Orthoses & Casting $60 per 3 years for Foot Orthoses Testing & Evaluation
Benefit back
$60 - $240 dependent on service
Waiting period
12 months
Pharmacy

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

Annual limits
$200
Benefit back
Cost of medicine less member co-payment
Waiting period
2 months
Healthy living programs

Healthy Living Programs give you 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 limits
$250 ($200 combined sublimit for Health education programs, Weight Management and Living Longer Living Stronger)
Benefit back
70% - 100% dependent on service
Waiting period
2 months
Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Annual limits
1 x health check per person, per year
Benefit back
1 x health check at Friendlies Pharmacies
Waiting period
2 months
Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Annual limits
1 x flu vaccination
Benefit back
100%
Waiting period
2 months
Dietitian

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 limits
$300
Benefit back
$11 - $40 dependent on service
Waiting period
2 months
Nutritionist

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

Clinical psychology

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

Annual limits
$1000 per person, per year
Benefit back
$30 - $100 dependent on service
Waiting period
2 months
Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

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

Annual limits
$600
Benefit back
$10 - $45 dependent on service
Waiting period
2 months
Speech therapy

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 limits
$600 combined with Occupational Therapy and Orthoptics
Benefit back
$10 - $100 dependent on service
Waiting period
2 months
Eye therapy

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

Annual limits
$600
Benefit back
$23 - $45 dependent on service
Waiting period
2 months
Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Annual limits
dependent on service
Benefit back
$180 - $200
Waiting period
1–2 yrs depending on appliance
Hearing aids

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

Annual limits
1 per person, per 3 years under 15 years old 1 per person, per 2 years over 15 years old
Benefit back
$550
Waiting period
36 months
Urgent ambulance

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

Annual limits
No limit
Benefit back
Cover for urgent ambulance transport by road if circumstance is classified as 'urgent' by the state ambulance provider
Waiting period
7 days
Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Flexi Extras

from

$12.90*

per week

Good value extras cover for 10 services of your choice

recommended

Flexi Extras

from

$12.90*

per week

Good value extras cover for 10 services of your choice

recommended
EXTRAS SERVICES
General dental
You choose

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
No limit
Benefit back
$22 - $116 dependent on service (60% - 80% back at Member Plus Provider)
Waiting period
2 months
Major dental
You choose

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Annual limits
$1500 combined annual limit with Dental Implant & Orthodontics
Benefit back
$119 - $796 dependent on service (60% - 80% back at Member Plus Provider)
Waiting period
12 months
Dental Implants & orthodontics
You choose

Covered for dental implants and orthodontic treatment, including braces and retainers.

Annual limits
$1500 combined annual limit with Dental Implant & Orthodontics
Benefit back
$119 - $796 dependent on service (60% - 80% back at Member Plus Provider)
Waiting period
12 months
Physiotherapy
You choose

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

Annual limits
$300 - $600
Benefit back
$14 - $64 dependent on service
Waiting period
2 months
Chiropractic
You choose

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

Annual limits
$300 - $800 dependent on level of cover
Benefit back
$27 - $107 dependent on service
Waiting period
2 months
Osteopathy
You choose

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

Annual limits
$300 - $600
Benefit back
$27 - $60 dependent on service
Waiting period
2 months
Glasses
You choose

Cover for prescription spectacles to correct vision disorders.

Annual limits
$225 - $300 combined with contact lenses
Benefit back
100% back
Waiting period
2 months
Contacts
You choose

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
$225 - $300 combined with glasses
Benefit back
100% back
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage
You choose

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

Annual limits
$200 - $300
Benefit back
$30 - $50 dependent on service
Waiting period
2 months
Exercise physiology
You choose

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

Annual limits
$300 - $600 depending on level of cover
Benefit back
$10 - $45 depending on service and level of cover
Waiting period
2 months
Natural therapies
You choose

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Annual limits
$200 - $300 dependent on level of cover
Benefit back
$30 - $45 dependent on level of cover
Waiting period
2 months
Complementary therapies
You choose

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Annual limits
Covered under Natural therapies
Waiting period
2 months
Podiatry consultations
You choose

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Annual limits
$300 - $600 dependent on level of cover
Benefit back
$15 - $55 dependent on service and level of cover
Waiting period
2-12 months
Podiatry orthoses
You choose

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

Annual limits
$300 - $600 dependent on level of cover combined with Podiatry
Benefit back
60% - 80%
Waiting period
12 months
Pharmacy
You choose

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

Annual limits
$300 - $600
Benefit back
Cost of medicine less member co-payment
Waiting period
2 months
Healthy living programs
You choose

Healthy Living Programs give you 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 limits
$200 - $350 dependent on level of cover and combined maximum for Flu vaccinations and Dose administration aids, Friendlies Health Program, Health education programs (including Living Longer Living Stronger), Quit smoking programs, Weight management programs, Travel vaccinations, Pilates and Yoga programs
Benefit back
60% - 70% dependent on service and level of cover
Waiting period
2 months
Friendlies health check
You choose

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Waiting period
2 months
Flu vaccinations
You choose

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Annual limits
Covered under Healthy Living Programs
Benefit back
100%
Waiting period
2 months
Dietitian
You choose

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 limits
Covered under Nutritionist
Waiting period
2 months
Nutritionist
You choose

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

Annual limits
$300 - $600 depending on level of cover
Benefit back
$15 - $65 dependent on services and level of cover
Waiting period
2 months
Clinical psychology
You choose

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

Annual limits
$400 - $800 depending on service and level of cover
Benefit back
If psychology is selected, clinical psychology is covered $40 - $140 dependent on service and level of cover
Waiting period
2 months
Psychology
You choose

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Annual limits
$400 - $800 depending on service and level of cover
Benefit back
$40 - $105 dependent on service and level of cover
Waiting period
2 months
Occupational therapy
You choose

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

Annual limits
$300 - $600 dependent on level of cover
Benefit back
$15 - $42 dependent on service
Waiting period
2 months
Speech therapy
You choose

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 limits
$300
Benefit back
$25 - $75 dependent on service
Waiting period
2 months
Eye therapy
You choose

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

Annual limits
$300 - $600
Benefit back
$30 - $42 dependent on service
Waiting period
2 months
Appliances
You choose

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Annual limits
$800 - $1200 dependent on level of cover
Benefit back
60% - 80%
Waiting period
2-12 months
Hearing aids
You choose

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

Annual limits
Covered under Appliances
Waiting period
12 months
Urgent ambulance
You choose

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

Annual limits
No limit
Benefit back
Cover for urgent ambulance transport by road if circumstance is classified as 'urgent' by the state ambulance provider
Waiting period
7 days
Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Premium Extras Plus

from

$19.15*

per week

Comprehensive extras cover for 27 common services

recommended

Premium Extras Plus

from

$19.15*

per week

Comprehensive extras cover for 27 common services

recommended
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
$800 combined for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Benefit back
$28 - $165 dependent on service (80% back at Member Plus Provider)
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Annual limits
$800
Benefit back
$92 - $950 dependent on service (80% back at Member Plus Provider)
Waiting period
12 months
Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Annual limits
$800
Benefit back
up to $800 dependent on service (80% back at Member Plus Provider)
Waiting period
12 months
Physiotherapy

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

Annual limits
$1000
Benefit back
$12 - $64 dependent on service
Waiting period
2 months
Chiropractic

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

Annual limits
$350
Benefit back
$28 - $107 dependent on service
Waiting period
2 months
Osteopathy

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

Annual limits
$350 combined with Chiropractor annual limits
Benefit back
$28 - $36 dependent on service
Waiting period
2 months
Glasses

Cover for prescription spectacles to correct vision disorders.

Annual limits
1 pair of glasses. $180 sub-limit for frames when purchased without lenses
Benefit back
$180 - $250
Waiting period
2 months
Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
1 pair of contacts or up to $200 for frequency replacement/disposable lenses per year
Benefit back
$200 - $301 dependent on service
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage

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

Annual limits
$400
Benefit back
$40
Waiting period
2 months
Exercise physiology

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

Annual limits
$400
Benefit back
$10 - $28 depending on service
Waiting period
2 months
Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Annual limits
$350
Benefit back
$28
Waiting period
2 months
Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Annual limits
10 consultations
Benefit back
$22 - $42 dependent on service
Waiting period
2 months
Podiatry orthoses

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

Annual limits
$240 per 3 years for Foot Orthoses & Casting $60 per 3 years for Foot Orthoses Testing & Evaluation
Benefit back
$60 - $240 dependent on service
Waiting period
12 months
Pharmacy

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

Annual limits
$300
Benefit back
Cost of medicine less member co-payment
Waiting period
2 months
Healthy living programs

Healthy Living Programs give you 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 limits
$350 ($250 combined sublimit for Health education programs, Weight Management and Living Longer Living Stronger)
Benefit back
80% - 100% dependent on service
Waiting period
2 months
Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Annual limits
1 x health check per person, per year
Benefit back
1 x health check at Friendlies Pharmacies
Waiting period
2 months
Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Annual limits
1 x flu vaccination
Benefit back
100%
Waiting period
2 months
Dietitian

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 limits
$400
Benefit back
$11 - $54 dependent on service
Waiting period
2 months
Nutritionist

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

Annual limits
$200
Benefit back
$28 - $33 dependent on services
Waiting period
2 months
Clinical psychology

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

Annual limits
$1400 per person, per year
Benefit back
$35 - $135 dependent on service
Waiting period
2 months
Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

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

Annual limits
$1000
Benefit back
$12 - $56 dependent on service
Waiting period
2 months
Speech therapy

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 limits
$1000
Benefit back
$12 - $127 dependent on service
Waiting period
2 months
Eye therapy

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

Annual limits
$1000
Benefit back
$24 - $49 dependent on service
Waiting period
2 months
Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Annual limits
dependent on service
Benefit back
$180 - $200
Waiting period
1–2 yrs depending on appliance
Hearing aids

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

Annual limits
1 per person, per 3 years under 15 years old 1 per person, per 2 years over 15 years old
Benefit back
$750