healthslips.com.au Policy Information

HBF Health Limited

Everyday Extras Top

$290.95 / 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: Two adults (and no-one else).

Policy ID: HBF/I22/VBGMR20

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
Acupuncture 2

$400 per person

combined limit for acupuncture, chinese medicine & other services

  • Initial visit: $51
  • Subsequent visit: $51
Blood glucose monitors 12

$1,000 per person

sub-limits apply

  • Per monitor: 75% of charge
Chinese medicine 2

$400 per person

combined limit for acupuncture, chinese medicine & other services

  • Initial visit: $51
  • Subsequent visit: $51
Chiropractic 2

$550 per person

  • Initial visit: $54
  • Subsequent visit: $35
Dietetics/dietary advice 2

$500 per person

  • Initial visit: $78
  • Subsequent visit: $51
Endodontic 12

$2,250 per person

$3,000 lifetime limit

combined limit for endodontic, major dental & orthodontic

  • Filling of one root canal: $188
Exercise physiology 2

$500 per person

  • Initial visit: $45
  • Subsequent visit: $45
Eye therapy (orthoptics) 2

$500 per person

  • Initial visit: $49
  • Subsequent visit: $49
General dental 2

No annual limit

  • Fluoride treatment: $25
  • Scale & clean: $98
  • Surgical tooth extraction: $115
  • Periodic oral examination: $50
Health management / Healthy lifestyle 2

$300 per person

sub-limits apply

  • Health management: 75% of charge
Hearing aids 12

$1800 per person every 3 calendar years

  • Hearing aid: 75% of charge
Major dental 12

$2,250 per person

$3,000 lifetime limit

combined limit for endodontic, major dental & orthodontic

  • Full crown veneered: $1037
Non PBS pharmaceuticals* 2

$600 per person

  • Per eligible prescription: $600
Occupational therapy 2

$500 per person

  • Initial visit: $62
  • Subsequent visit: $51
Optical 2

$275 per person

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthodontic 12

$2,250 per person

$3,000 lifetime limit

combined limit for endodontic, major dental & orthodontic

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge
Orthotics (podiatric orthoses) 12

$500 per person

combined limit for orthotics (podiatric orthoses) & podiatry

  • Orthotics supply & fit: 70% of charge
Osteopathy 2

$550 per person

  • Initial visit: $54
  • Subsequent visit: $35
Physiotherapy 2

$550 per person

  • Initial visit: $57
  • Subsequent visit: $45
Podiatry 2

$500 per person

combined limit for orthotics (podiatric orthoses) & podiatry

  • Initial visit: $50
  • Subsequent visit: $41
Psychology 2

$600 per person

  • Initial visit: $146
  • Subsequent visit: $146
Remedial massage 2

$400 per person

  • Initial visit: $42
  • Subsequent visit: $42
Speech therapy 2

$500 per person

  • Initial visit: $103
  • Subsequent visit: $61

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine & other services}

Examples of maximum benefits

{Initial visit: $51}

{Subsequent visit: $51}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: 75% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine & other services}

Examples of maximum benefits

{Initial visit: $51}

{Subsequent visit: $51}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

Examples of maximum benefits

{Initial visit: $54}

{Subsequent visit: $35}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $78}

{Subsequent visit: $51}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,250 per person}

{$3,000 lifetime limit}

{combined limit for endodontic, major dental & orthodontic}

Examples of maximum benefits

{Filling of one root canal: $188}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $49}

{Subsequent visit: $49}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Fluoride treatment: $25}

{Scale & clean: $98}

{Surgical tooth extraction: $115}

{Periodic oral examination: $50}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{sub-limits apply}

Examples of maximum benefits

{Health management: 75% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1800 per person every 3 calendar years }

Examples of maximum benefits

{Hearing aid: 75% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,250 per person}

{$3,000 lifetime limit}

{combined limit for endodontic, major dental & orthodontic}

Examples of maximum benefits

{Full crown veneered: $1037}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Per eligible prescription: $600}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $62}

{Subsequent visit: $51}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$275 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,250 per person}

{$3,000 lifetime limit}

{combined limit for endodontic, major dental & orthodontic}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Orthotics supply & fit: 70% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

Examples of maximum benefits

{Initial visit: $54}

{Subsequent visit: $35}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

Examples of maximum benefits

{Initial visit: $57}

{Subsequent visit: $45}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $41}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Initial visit: $146}

{Subsequent visit: $146}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $42}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $103}

{Subsequent visit: $61}

Everyday Extras Top also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, $146 initial visit and $115 subsequent visit up to combined limit - see Psychology); HYPNOTHERAPY (waiting period 2 months, $51 initial and subsequent visit up to combined limit - see Acupuncture); MYOTHERAPY (waiting period 2 months, $42 initial and subsequent visit up to combined limit - see Remedial Massage); Other approved appliances (waiting period 2-12 months, 75% up to combined limit – see Blood glucose monitors, sub-limits apply); NUTRITION (waiting period 2 months, $78 initial visit and $51 subsequent visit up combined limit - see Dietetics/dietary advice).

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

Ante-natal/Post-natal classes
Audiology
Home nursing
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

Everyday Extras Top

$290.95 / 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/I22/VBGMR20

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