healthslips.com.au Policy Information

HBF Health Limited

Standard Extras

$113.45 / month

(Before Rebate, Discount & Loading)

Available in VIC

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.

This policy covers: One adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 20), students (21 - 30) and non-students (21 to 30), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: Non-classified Dependant A person who meets all of the following criteria: a. is aged 18 to 20 (inclusive); and b. does not have a partner (a person in a marital or de facto relationship with the Non-classified Dependant)

Policy ID: HBF/I1/VBUYO1Y

Source: Private Health Information Statement (PHIS)

Extras Cover

HBF members have hundreds of participating optical stores nationally to choose from with access to a range of fully covered glasses. See http://www.hbf.com.au/health-insurance/find-a-provider.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Blood glucose monitors 12
  • Per monitor: $200
Chiropractic 2

$350 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $39
  • Subsequent visit: $32
Dietetics/dietary advice 2

$240 per person

  • Initial visit: $33
  • Subsequent visit: $17
Endodontic 12

$800 per person

combined limit for endodontic & major dental

  • Filling of one root canal: $120
Eye therapy (orthoptics) 2

$500 per person

combined limit for eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $42
  • Subsequent visit: $42
General dental 2

$600 per person

  • Fluoride treatment: $18.75
  • Scale & clean: $73.5
  • Surgical tooth extraction: $108
  • Periodic oral examination: $37.5
Health management / Healthy lifestyle 2

$200 per person

sub-limits apply

  • Health management: 60% of charge
Hearing aids 12

$1000 per person every 3 calendar years

  • Hearing aid: 100% of charge
Major dental 12

$800 per person

combined limit for endodontic & major dental

  • Full crown veneered: $630
Non PBS pharmaceuticals* 2

$200 per person

  • Per eligible prescription: $200
Occupational therapy 2

$500 per person

combined limit for eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $36
  • Subsequent visit: $20
Optical 2

$384 per person

sub-limits apply

  • Multi-focal lenses & frames: $180
  • Single vision lenses & frames: $180
Orthodontic 12

$500 per person

$1,850 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $500
Orthotics (podiatric orthoses) 12

$240 per person

  • Orthotics supply & fit: $240
Osteopathy 2

$350 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $22
  • Subsequent visit: $17
Physiotherapy 2

$350 per person

  • Initial visit: $39
  • Subsequent visit: $32
Podiatry 2
  • Initial visit: $26
  • Subsequent visit: $20
Psychology 2

$720 per person

  • Initial visit: $44
  • Subsequent visit: $44
Speech therapy 2

$500 per person

combined limit for eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $59
  • Subsequent visit: $32

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

{Per monitor: $200}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $39}

{Subsequent visit: $32}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$240 per person}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $17}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $120}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $42}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Fluoride treatment: $18.75}

{Scale & clean: $73.5}

{Surgical tooth extraction: $108}

{Periodic oral examination: $37.5}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{sub-limits apply}

Examples of maximum benefits

{Health management: 60% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1000 per person every 3 calendar years}

Examples of maximum benefits

{Hearing aid: 100% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Full crown veneered: $630}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Per eligible prescription: $200}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $20}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$384 per person}

{sub-limits apply}

Examples of maximum benefits

{Multi-focal lenses & frames: $180}

{Single vision lenses & frames: $180}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{$1,850 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $500}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$240 per person}

Examples of maximum benefits

{Orthotics supply & fit: $240}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $22}

{Subsequent visit: $17}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Initial visit: $39}

{Subsequent visit: $32}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

{Initial visit: $26}

{Subsequent visit: $20}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$720 per person}

Examples of maximum benefits

{Initial visit: $44}

{Subsequent visit: $44}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $59}

{Subsequent visit: $32}

Standard Extras also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, $79 initial visit and $44 subsequent visit up to combined limit - see Psychology); NON-SURGICALLY IMPLANTED APPLIANCES (waiting period 12 months, benefits vary depending on aid up to $500 per person, sub-limits apply); NEBULISER (waiting period 12 months, $108 per person up to 1 appliance every 3 years). **Note: Health Management/Healthy Lifestyle – initial visit for Strength for Life $27 is up to combined limit listed.

This policy does not include General treatment (Extras) cover for

Acupuncture
Ante-natal/Post-natal classes
Audiology
Chinese medicine
Exercise physiology
Home nursing
Remedial massage
Vaccinations

Ambulance cover

In VIC this policy provides:

Emergency: Unlimited with a waiting period of 7 days.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Emergency ambulance provides full cover for emergency treatment and urgent ambulance transport (by road) within Australia by a State Government ambulance provider or an HBF approved ambulance provider. Services not covered include air ambulance services, transport between a public hospital to your home and transport not provided in an ambulance.

For further information about this policy see: http://www.hbf.com.au/health-insurance/ambulance-cover.html

Insurer Details

HBF Health Limited

Standard Extras

$113.45 / month

(Before Rebate, Discount & Loading)

Available in VIC

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/HBF/I1/VBUYO1Y

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