healthslips.com.au Policy Information

HBF Health Limited

Top 70

$225.12 / month

(Before Rebate, Discount & Loading)

Available in WA

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 (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and 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/I30/WBPTZ1D

Source: Private Health Information Statement (PHIS)

Extras Cover

HBF members can access a range of participating dentists in WA, this means you get 100% back for preventative dental services. 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

$300 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Blood glucose monitors 2

$500 per person

sub-limits apply

  • Per monitor: 70% of charge
Chinese medicine 2

$300 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Chiropractic 2

$400 per person

combined limit for chiropractic & osteopathy

sub-limits apply

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Dietetics/dietary advice 2

$400 per person

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Endodontic 12

$1,000 per person

combined limit for endodontic & major dental

  • Filling of one root canal: 70% of charge
Exercise physiology 2

$600 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Eye therapy (orthoptics) 2

$400 per person

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
General dental 2

No annual limit

sub-limits apply

  • Fluoride treatment: 70% of charge
  • Scale & clean: 70% of charge
  • Surgical tooth extraction: 70% of charge
  • Periodic oral examination: 70% of charge
Health management / Healthy lifestyle 2

$350 per person

  • Health management: 100% of charge
Hearing aids 12

$700 per person every 3 calendar years

  • Hearing aid: 100% of charge
Major dental 12

$1,000 per person

combined limit for endodontic & major dental

  • Full crown veneered: 70% of charge
Non PBS pharmaceuticals* 2

$400 per person

combined limit for non pbs pharmaceuticals & vaccinations

sub-limits apply

  • Per eligible prescription: 70% of charge
Occupational therapy 2

$400 per person

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Optical 2

$275 per person

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

$800 per person

$2,400 lifetime limit

sub-limits apply

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

$400 per person

combined limit for orthotics (podiatric orthoses) & podiatry

sub-limits apply

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

$400 per person

combined limit for chiropractic & osteopathy

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Physiotherapy 2

$600 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Podiatry 2

$400 per person

combined limit for orthotics (podiatric orthoses) & podiatry

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Psychology 2

$500 per person

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Remedial massage 2

$300 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Speech therapy 2

$400 per person

  • Initial visit: 70% of charge
  • Subsequent visit: 70% of charge
Vaccinations* 2

$400 per person

combined limit for non pbs pharmaceuticals & vaccinations

  • Per service: 100% of charge

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

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

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Blood glucose monitors

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: 70% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

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

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic & osteopathy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: 70% of charge}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: 70% of charge}

{Scale & clean: 70% of charge}

{Surgical tooth extraction: 70% of charge}

{Periodic oral examination: 70% of charge}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Health management: 100% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$700 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

{$1,000 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Full crown veneered: 70% of charge}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: 70% of charge}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

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

{$800 per person}

{$2,400 lifetime limit}

{sub-limits apply}

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

{$400 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Orthotics supply & fit: 70% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

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

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

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

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: 70% of charge}

{Subsequent visit: 70% of charge}

Vaccinations*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: 100% of charge}

Top 70 also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Psychology); HYPNOTHERAPY (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Acupuncture); MYOTHERAPY (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Acupuncture); APPLIANCES, PROSTHESES AND AIDS (waiting period 2-12 months, 70% up to combined limit - see Blood glucose monitors); NUTRITION (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Dietetics/dietary advice). **Note: Orthotics (podiatric orthoses) has a $250 sub-limit.

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

Ante-natal/Post-natal classes
Audiology
Home nursing

Ambulance cover

In WA 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

Top 70

$225.12 / month

(Before Rebate, Discount & Loading)

Available in WA

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/I30/WBPTZ1D

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