FREQUENTLY ASKED QUESTION
What is extras cover? How does it work?
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Health insurance explainedExtras insurance provides cover for everyday health care services that Medicare doesn't generally pay a benefit towards, such as visiting a dentist or physiotherapist.
HBF offers eight levels of extras cover, ranging from basic to more comprehensive cover. What you can claim for, and what benefits are available to you, depends entirely on the cover option you choose.
When you purchase extras cover for the first time or update your policy, you'll likely need to serve a waiting period. A waiting period is a set amount of time during which you can't claim benefits. Once your waiting periods have been served, you'll be able to claim on the services on your cover.
Once you’re ready to claim on a service covered by your policy, you can either claim on-the-spot at your provider via a participating terminal or submit your claim to HBF via the following methods:
- Submit your claim via the HBF App
- Submit your claim via myHBF
- Visit your nearest branch
- Return a claim form by mail
We'll review your claim and pay you any benefits you're entitled to.