healthslips.com.au Policy Information

HBF Health Limited

Top Extras

$361.96 / month

(Before Rebate, Discount & Loading)

Available in QLD

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 & dependants, including non-student dependants (3 or more people, only 2 of whom are adults).

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/I3/QBVCR2Y

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

$350 per person

combined limit for acupuncture & chinese medicine

  • Initial visit: $28
  • Subsequent visit: $28
Blood glucose monitors 12

$200 per person

  • Per monitor: 100% of charge
Chinese medicine 2

$350 per person

combined limit for acupuncture & chinese medicine

  • Initial visit: $28
  • Subsequent visit: $28
Chiropractic 2

$500 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $60
  • Subsequent visit: $40
Dietetics/dietary advice 2

$400 per person

  • Initial visit: $54
  • Subsequent visit: $27
Endodontic 12

$800 per person

combined limit for endodontic & major dental

  • Filling of one root canal: $185
Exercise physiology 2

$400 per person

  • Initial visit: $28
  • Subsequent visit: $28
Eye therapy (orthoptics) 2

$1,000 per person

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

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

No annual limit

  • Fluoride treatment: $25
  • Scale & clean: $98
  • Surgical tooth extraction: $162
  • Periodic oral examination: $50
Health management / Healthy lifestyle 2

$350 per person

sub-limits apply

  • Health management: 80% of charge
Hearing aids 12

$1400 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: $960
Non PBS pharmaceuticals* 2

$600 per person

  • Per eligible prescription: $600
Occupational therapy 2

$1,000 per person

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

  • Initial visit: $56
  • Subsequent visit: $33
Optical 2

$551 per person

sub-limits apply

  • Multi-focal lenses & frames: $250
  • Single vision lenses & frames: $180
Orthodontic 12

$800 per person

$2,800 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $800
Orthotics (podiatric orthoses) 12

$240 per person

  • Orthotics supply & fit: $240
Osteopathy 2

$500 per person

combined limit for chiropractic & osteopathy

  • Initial visit: $36
  • Subsequent visit: $28
Physiotherapy 2

$1,000 per person

  • Initial visit: $63
  • Subsequent visit: $53
Podiatry 2
  • Initial visit: $42
  • Subsequent visit: $34
Psychology 2

$1,850 per person

  • Initial visit: $70
  • Subsequent visit: $70
Remedial massage 2

$400 per person

  • Initial visit: $40
  • Subsequent visit: $40
Speech therapy 2

$1,000 per person

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

  • Initial visit: $97
  • Subsequent visit: $52
Vaccinations 2

$100 per person for travel vaccinations only

  • Per service: 100% of charge

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for acupuncture & chinese medicine}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Per monitor: 100% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for acupuncture & chinese medicine}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $40}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $54}

{Subsequent visit: $27}

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: $185}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

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

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: $162}

{Periodic oral examination: $50}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{sub-limits apply}

Examples of maximum benefits

{Health management: 80% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1400 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: $960}

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

{$1,000 per person}

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

Examples of maximum benefits

{Initial visit: $56}

{Subsequent visit: $33}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$551 per person}

{sub-limits apply}

Examples of maximum benefits

{Multi-focal lenses & frames: $250}

{Single vision lenses & frames: $180}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{$2,800 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $800}

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

{$500 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $28}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

Examples of maximum benefits

{Initial visit: $63}

{Subsequent visit: $53}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $34}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,850 per person}

Examples of maximum benefits

{Initial visit: $70}

{Subsequent visit: $70}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

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

Examples of maximum benefits

{Initial visit: $97}

{Subsequent visit: $52}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person for travel vaccinations only}

Examples of maximum benefits

{Per service: 100% of charge}

Top Extras also includes cover for: MYOTHERAPY (waiting period 2 months, $40 initial or subsequent visit up to combined limit - see Remedial Massage); CLINICAL PSYCHOLOGY (waiting period 2 months, $130 initial visit and $70 subsequent visit up to $1850 combined with psychology per person); NUTRITION (waiting period 2 months, $33 initial visit and $28 subsequent visit up to $200 per person); NICOTINE REPLACEMENT THERAPY (waiting period 2 months, $100 per person); 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, $180 per person up to 1 appliance every 3 years); HYPNOTHERAPY (waiting period 2 months, $28 initial or subsequent visit up to combined limit $400 per person, combined limit for Hypnotherapy, Health Monitoring Equipment & Preventative Equipment); HEALTH MONITORING EQUIPMENT (waiting period 2 months, $120 per person up to combined limit – see Hypnotherapy); PREVENTATIVE EQUIPMENT (waiting period 2 months, $120 per person up to combined limit – see Hypnotherapy). **Note: Health Management/Healthy Lifestyle – initial visit for Strength for Life is $47 up to combined limit listed.

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

Ante-natal/Post-natal classes
Audiology
Home nursing

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

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

Insurer Details

HBF Health Limited

Top Extras

$361.96 / month

(Before Rebate, Discount & Loading)

Available in QLD

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/I3/QBVCR2Y

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