healthslips.com.au Policy Information

HBF Health Limited

Core Extras

$115.93 / 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 & dependants (3 or more people, only 2 of whom are adults).

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/I31/VBSZV2D

Source: Private Health Information Statement (PHIS)

Extras Cover

This health insurer does not operate a preferred provider scheme.

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, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services

sub-limits apply

  • Initial visit: $34
  • Subsequent visit: $34
Chinese medicine 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services

sub-limits apply

  • Initial visit: $18
  • Subsequent visit: $18
Chiropractic 2

$400 per person

combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy

  • Initial visit: $40
  • Subsequent visit: $27
Dietetics/dietary advice 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services

  • Initial visit: $54
  • Subsequent visit: $32
Endodontic 12

$800 per person

combined limit for endodontic, general dental & major dental

  • Filling of one root canal: $137
Exercise physiology 2

$400 per person

combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy

  • Initial visit: $44
  • Subsequent visit: $34
Eye therapy (orthoptics) 2

$400 per person

combined limit for eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: $38
  • Subsequent visit: $38
General dental 2

$800 per person

combined limit for endodontic, general dental & major dental

  • Fluoride treatment: $17
  • Scale & clean: $63
  • Surgical tooth extraction: $144
  • Periodic oral examination: $31
Health management / Healthy lifestyle 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services

  • Health management: 60% of charge
Major dental 12

$800 per person

combined limit for endodontic, general dental & major dental

  • Full crown veneered: $743
Non PBS pharmaceuticals* 2

$200 per person

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $40
Occupational therapy 2

$400 per person

combined limit for eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: $48
  • Subsequent visit: $28
Optical 2

$250 per person

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

$400 per person

$1,200 lifetime limit

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

$400 per person

combined limit for eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Orthotics supply & fit: $192
Osteopathy 2

$400 per person

combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy

  • Initial visit: $52
  • Subsequent visit: $38
Physiotherapy 2

$400 per person

combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy

  • Initial visit: $50
  • Subsequent visit: $42
Podiatry 2

$400 per person

combined limit for eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: $33
  • Subsequent visit: $24
Psychology 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services

  • Initial visit: $79
  • Subsequent visit: $79
Remedial massage 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services

sub-limits apply

  • Initial visit: $34
  • Subsequent visit: $34
Speech therapy 2

$400 per person

combined limit for eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy

  • Initial visit: $51
  • Subsequent visit: $39
Vaccinations* 2

$200 per person

combined limit for non pbs pharmaceuticals & vaccinations

  • Per service: $40

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $34}

{Subsequent visit: $34}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $18}

{Subsequent visit: $18}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $27}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $54}

{Subsequent visit: $32}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Filling of one root canal: $137}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $44}

{Subsequent visit: $34}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: $38}

{Subsequent visit: $38}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Fluoride treatment: $17}

{Scale & clean: $63}

{Surgical tooth extraction: $144}

{Periodic oral examination: $31}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services}

Examples of maximum benefits

{Health management: 60% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Full crown veneered: $743}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $40}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: $48}

{Subsequent visit: $28}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 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

{$400 per person}

{$1,200 lifetime limit}

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 eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Orthotics supply & fit: $192}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $52}

{Subsequent visit: $38}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $42}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $24}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $79}

{Subsequent visit: $79}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, health management / healthy lifestyle, psychology, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $34}

{Subsequent visit: $34}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry & speech therapy}

Examples of maximum benefits

{Initial visit: $51}

{Subsequent visit: $39}

Vaccinations*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $40}

Core Extras also includes cover for: Counselling (waiting period 2 months, $53 initial or subsequent visit up to combined limit - see Psychology); Nutrition (waiting period 2 months, $54 initial visit and $32 subsequent visit up to combined limit - see Psychology); Hypnotherapy (waiting period 2 months, $68 initial or subsequent visit up to combined limit - see Psychology); Myotherapy (waiting period 2 months, $34 initial or subsequent visit up to combined limit - see Psychology); **Note: Natural Therapies (Acupuncture, Hypnotherapy, Myotherapy, Remedial Massage and Traditional Chinese Medicine) has a $200 sub-limit.

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

Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Hearing aids
Home nursing

For further information about this policy see: https://www.hbf.com.au/

Ambulance cover

In VIC this policy provides:

Emergency: With a waiting period of 7 days, limited to 2 services per year.

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

Other features of this ambulance cover: Emergency ambulance, limited to 2 services per person per year, 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

Core Extras

$115.93 / 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/I31/VBSZV2D

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