FREQUENTLY ASKED QUESTION

What is Smart Start Extras?

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 Health insurance explained

Extras cover

Smart Start Extras is a budget‑friendly extras cover aimed at new or younger members. It includes general and preventative dental, optical, physiotherapy, chiropractic, natural therapies and urgent ambulance cover. A first scale and clean is covered each year*, helping reduce upfront dental costs.

HBF provides health insurance products in Western Australia, South Australia, Victoria, Tasmania, New South Wales, Australian Capital Territory, Queensland and Northern Territory.

We acknowledge the Traditional Owners of the lands and waters where we live and work. We want to play our part in ensuring that our shared presence brings genuine benefit to First Nations people. View our Reconciliation Action Plan to learn more.

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