healthslips.com.au Policy Information

HBF Health Limited

Smart Start Extras

$42.54 / 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/I33/VBTWO20

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

$100 per person up to $200 per policy

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

  • Initial visit: $29
  • Subsequent visit: $29
Chinese medicine 2

$100 per person up to $200 per policy

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

  • Initial visit: $15
  • Subsequent visit: $15
Chiropractic 2

$200 per person up to $400 per policy

combined limit for chiropractic, osteopathy & physiotherapy

  • Initial visit: $35
  • Subsequent visit: $23
General dental 2

$350 per person up to $700 per policy

  • Fluoride treatment: $13
  • Scale & clean: $49
  • Surgical tooth extraction: $112
  • Periodic oral examination: $24
Health management / Healthy lifestyle 2

$100 per person up to $200 per policy

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

  • Health management: 50% of charge
Optical 2

$120 per person up to $240 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Osteopathy 2

$200 per person up to $400 per policy

combined limit for chiropractic, osteopathy & physiotherapy

  • Initial visit: $46
  • Subsequent visit: $33
Physiotherapy 2

$200 per person up to $400 per policy

combined limit for chiropractic, osteopathy & physiotherapy

  • Initial visit: $39
  • Subsequent visit: $33
Remedial massage 2

$100 per person up to $200 per policy

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

  • Initial visit: $29
  • Subsequent visit: $29

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

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

Examples of maximum benefits

{Initial visit: $29}

{Subsequent visit: $29}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

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

Examples of maximum benefits

{Initial visit: $15}

{Subsequent visit: $15}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{combined limit for chiropractic, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $23}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

Examples of maximum benefits

{Fluoride treatment: $13}

{Scale & clean: $49}

{Surgical tooth extraction: $112}

{Periodic oral examination: $24}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

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

Examples of maximum benefits

{Health management: 50% of charge}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$120 per person up to $240 per policy}

Examples of maximum benefits

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

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

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{combined limit for chiropractic, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $46}

{Subsequent visit: $33}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{combined limit for chiropractic, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $39}

{Subsequent visit: $33}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $200 per policy}

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

Examples of maximum benefits

{Initial visit: $29}

{Subsequent visit: $29}

Smart Start Extras also includes cover for: Hypnotherapy (waiting period 2 months, $59 initial or subsequent visit up to combined limit - see Acupuncture); Myotherapy (waiting period 2 months, $29 initial or subsequent visit up to combined limit - see Acupuncture)

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

Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Dietetics/dietary advice
Endodontic
Exercise physiology
Eye therapy (orthoptics)
Hearing aids
Home nursing
Major dental
Non PBS pharmaceuticals
Occupational therapy
Orthodontic
Orthotics (podiatric orthoses)
Podiatry
Psychology
Speech therapy
Vaccinations

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

Smart Start Extras

$42.54 / 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/I33/VBTWO20

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