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Extras cover

Higher benefits for popular services

For services received after 1 April 2026, several HBF Extras covers will pay increased benefits for services such as:

  • Physiotherapy
  • Podiatry
  • Occupational Therapy
  • Osteopathy
  • Natural Therapies
  • Dietetics & Nutrition
  • Speech Therapy
  • Psychology
  • Chiropractic
  • Optical

Keep in mind, not all of our products that cover these services will receive increased benefits, so read on to find out if your extras cover is changing.

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For services received on or after 1 April 2026, Basic Extras will pay higher benefits across Physiotherapy, Chiropractic and Osteopathy.

We’ve increased benefits for:

  • Physiotherapy — Initial, Subsequent and Group consultations
  • Chiropractic — Subsequent consultations
  • Osteopathy — Initial and Subsequent consultations

Your Basic Extras cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

For services received on or after 1 April 2026, Saver Extras will pay higher benefits across Podiatry, Osteopathy, Alternative Therapies and Optical.

We’ve increased benefits for:

  • Physiotherapy — Neurological Rehabilitation and Pelvic Floor Physiotherapy consultations
  • Podiatry — Initial and Subsequent consultations
  • Osteopathy — Initial and Subsequent consultations
  • Alternative Therapies — Acupuncture, Remedial massage and Myotherapy consultations
  • Optical — the annual limit for prescription glasses with single vision lenses will increase

Your Saver Extras cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

For services received on or after 1 April 2026, Saver Extras Mid will pay higher benefits across Physiotherapy, Podiatry, Osteopathy and Remedial Massage/Myotherapy.

We’ve increased benefits for:

  • Physiotherapy — Subsequent and Specialised Physiotherapy consultations
  • Podiatry — Subsequent consultations
  • Osteopathy — Initial and Subsequent consultations
  • Remedial Massage/Myotherapy — Remedial massage and Myotherapy consultations

Your Saver Extras Mid cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

For services received on or after 1 April 2026, Saver Extras Top will pay higher benefits across Physiotherapy, Osteopathy and Remedial Massage/Myotherapy.

We’ve increased benefits for:

  • Physiotherapy — Subsequent and Specialised Physiotherapy consultations
  • Osteopathy — Subsequent consultations
  • Remedial Massage/Myotherapy — Remedial massage and Myotherapy consultations

Your Saver Extras Top cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

For services received on or after 1 April 2026, Standard Extras will pay higher benefits across Physiotherapy, Podiatry, Occupational Therapy, Osteopathy, Dietetics and Speech Therapy.

We’ve increased benefits for:

  • Physiotherapy — Subsequent and Specialised Physiotherapy consultations
  • Podiatry — Initial and Subsequent consultations and select Foot Orthoses
  • Occupational Therapy — Initial, Subsequent and Group consultations
  • Osteopathy — Initial and Subsequent consultations
  • Dietetics — Initial and Subsequent consultations
  • Speech Therapy — Subsequent consultations under 45 minutes and Group consultations

Your Standard Extras cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

For services received on or after 1 April 2026, Everyday Extras will pay higher benefits across Physiotherapy, Chiropractic, Podiatry, Occupational Therapy, Osteopathy, Alternative Therapies, Remedial Massage/Myotherapy, Dietetics & Nutrition and Speech Therapy.

We’ve increased benefits for:

  • Physiotherapy — Initial, Subsequent and Specialised Physiotherapy consultations
  • Chiropractic — Initial consultations
  • Podiatry — Subsequent consultations
  • Occupational Therapy — Initial and Subsequent consultations
  • Osteopathy — Initial and Subsequent consultations
  • Alternative Therapies — Acupuncture, Hypnotherapy and Traditional Chinese Medicine consultations
  • Remedial Massage/Myotherapy — Remedial massage and Myotherapy consultations
  • Dietetics & Nutrition — Initial, Subsequent and Group consultations
  • Speech Therapy — Subsequent consultations under 45 minutes and Group consultations

Your Everyday Extras cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

For services received on or after 1 April 2026, Everyday Extras Mid will pay higher benefits across Physiotherapy, Chiropractic, Podiatry, Occupational Therapy, Osteopathy, Alternative Therapies, Remedial Massage/Myotherapy, Dietetics & Nutrition, Speech Therapy and Psychology.

We’ve increased benefits for:

  • Physiotherapy — Initial, Subsequent and Specialised Physiotherapy consultations
  • Chiropractic — X-ray services
  • Podiatry — Subsequent consultations
  • Occupational Therapy — Initial and Subsequent consultations
  • Osteopathy — Initial and Subsequent consultations
  • Alternative Therapies — Hypnotherapy consultations
  • Remedial Massage/Myotherapy — Remedial massage and Myotherapy consultations
  • Dietetics & Nutrition — Initial and Group consultations
  • Speech Therapy — Group consultations
  • Psychology — Individual treatment and management by a Clinical Psychologist

Your Everyday Extras Mid cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

For services received on or after 1 April 2026, Everyday Extras Top will pay higher benefits across Physiotherapy, Podiatry, Occupational Therapy, Osteopathy, Alternative Therapies, Remedial Massage/Myotherapy, Speech Therapy and Psychology.

We’ve increased benefits for:

  • Physiotherapy — Subsequent and Specialised Physiotherapy consultations
  • Podiatry — Subsequent consultations
  • Occupational Therapy — Initial and Subsequent consultations
  • Osteopathy — Initial and Subsequent consultations
  • Alternative Therapies — Hypnotherapy consultations
  • Remedial Massage/Myotherapy — Remedial massage and Myotherapy consultations
  • Speech Therapy — Group consultations
  • Psychology — Individual treatment and management by a Clinical Psychologist

Your Everyday Extras Top cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

For services received on or after 1 April 2026, Top Extras will pay higher benefits across Physiotherapy, Podiatry, Occupational Therapy, Osteopathy, Alternative Therapies, Remedial Massage/Myotherapy, Dietetics & Nutrition, Speech Therapy and Optical.

We’ve increased benefits for:

  • Physiotherapy — Specialised Physiotherapy consultations
  • Podiatry — Initial and Subsequent consultations and select Foot Orthoses
  • Occupational Therapy — Initial, Subsequent and Group consultations
  • Osteopathy — Initial and Subsequent consultations
  • Alternative Therapies — Acupuncture, Hypnotherapy and Traditional Chinese Medicine consultations
  • Remedial Massage/Myotherapy — Remedial massage and Myotherapy consultations
  • Dietetics & Nutrition — Initial, Subsequent and Group consultations
  • Speech Therapy — Subsequent consultations under 45 minutes and Group consultations
  • Optical – the annual limit for prescription glasses with single vision lenses will increase

Your Top Extras cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

For services received on or after 1 April 2026, Prime Package Silver Plus will pay higher benefits across Physiotherapy, Podiatry, Occupational Therapy, Osteopathy, Dietetics, Speech Therapy and Optical.

We’ve increased benefits for:

  • Physiotherapy — Initial, Subsequent and Group consultations
  • Podiatry — Initial and Subsequent consultations and select Foot Orthoses
  • Occupational Therapy — Initial consultations and Subsequent consultations up to 30 minutes
  • Osteopathy — Initial and Subsequent consultations
  • Dietetics — Initial, Subsequent and Group consultations
  • Speech Therapy — Group consultations
  • Optical – the annual limit for prescription glasses with single vision lenses will increase

Your Prime Package Silver Plus cover still includes the same services — you’ll just see increased benefit amounts from the effective date, subject to available annual limits on your policy.

Yes, that’s right. If your extras cover isn’t listed here, you’ll continue to enjoy the same benefits as you do today. If you’ve recently purchased or upgraded HBF Extras cover, waiting periods may still be applicable before you can make a claim. Check your cover including limits, usage and waiting periods in the HBF App or myHBF.

If you upgrade or downgrade your extras cover, your available limits will change depending on your chosen cover and will apply from the date you change your cover. If you choose a higher level of cover, waiting periods may apply up to the higher limits applicable to your chosen cover. In the meantime, you will be able to claim up to the annual limits of your previous cover - this includes up to the higher limits outlined for the services and covers listed on this page, which are applicable from 1 April 2026.

Also known as ancillary cover or extras cover, extras insurance helps cover the cost of everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. These services are generally not covered by Medicare.

There are some situations where your health fund cannot pay a benefit (because they legally can't), but Medicare will. For example, a visit to a doctor outside of hospital, like a General Practitioner, is not covered by health insurance, no matter what health fund you're with — this is covered by Medicare.

Consultation fees for a doctor or a specialist appointment outside of hospital, tests and examinations like x-rays or blood tests and eye tests performed by an optometrist are common situations where your health fund won't pay a benefit but Medicare will.

When you buy extras insurance for the first time, there will generally be a waiting period you need to serve before you can claim if you haven't had continuous cover, or if you've just upgraded to a higher level of cover.

You can get health cover for yourself, you and your partner, or for your whole family. Generally, there are four categories of membership:

  • 1 adult (single)
  • 2 adults (couple)
  • 2 adults and any number of dependant* children (family)
  • 1 adult and any number of dependant* children (single parent)

At HBF, a dependant is a person who is aged under 31 and who is not married or living in a de-facto relationship. Dependants aged under 21 (or aged under 31 if studying full-time) can be covered by a family or single parent policy for no extra cost. Dependants aged between 21 and 31 who are not studying full-time can be covered by a family or single parent policy for an additional cost.

A combined annual limit is the maximum amount of money you can claim, distributed across a group of services.

A sub-limit is the maximum amount of money you can claim for a specific service, which is deducted from a larger annual limit.

For example, a policy might have a combined annual limit of $500 for dentures, crowns and bridges, with a sub-limit of $300 for each service. That means you'd only be able to claim a maximum of $300 for any one of those services in the year. If you claimed $300 on bridges, you would not be able to claim more for that service during the year, while the remaining $200 could be claimed against one or both of the other services.

If you're switching to HBF from another health fund and you've already claimed some of your benefits in the same calendar year, any claims you have made with your previous fund this calendar year will result in an adjustment of the annual limit you can claim with us for the rest of the year. For example, if you have claimed $300 on Occupational Therapy with your current fund and you join HBF on Top 70, which has an annual limit of $400, you may be able to claim $100 with us this calendar year. Annual limits reset on 1 January each year.

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