(before any rebate or insurer discount)
Covers two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults)
Available in Queensland
Closed to new members
# 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 children, students up to and including the age of 30 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
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.
| Note, for items marked with an asterisk *: Before a benefit is payable on an eligible Pharmacy item, a co-payment amount reasonably determined by HBF is deducted from the cost of each script. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 2 | $600 per person (no limit on preventative dental) | Periodic oral examination - $37.50 Scale & clean - $73.50 Fluoride treatment - $18.75 Surgical tooth extraction - $108.00 |
| Major dental | 12 | $800 per person (combined limit for major dental & endodontic) | Full crown veneered - $630.00 |
| Endodontic | 12 | Filling of one root canal - $120.00 | |
| Orthodontic | 12 | $500 per person $1,850 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - $500.00 |
| Optical | 2 | $384 per person (Sub-limits apply) | Single vision lenses & frames - $180.00 Multi-focal lenses & frames - $180.00 |
| Non PBS pharmaceuticals* | 2 | $200 per person | Per eligible prescription - $200.00 |
| Physiotherapy | 2 | $350 per person | Initial visit - $39.00 Subsequent visit - $32.00 |
| Chiropractic | 2 | $350 per person (combined limit for chiropractic & osteopathy) | Initial visit - $39.00 Subsequent visit - $32.00 |
| Podiatry | 2 | 10 service(s) every 1 year | Initial visit - $26.00 Subsequent visit - $20.00 |
| Psychology | 2 | $720 per person (combined limit for psychology & other services) | Initial visit - $44.00 Subsequent visit - $44.00 |
| Hearing aids | 12 | $1000 per person every 3 calendar years | Hearing aid - 100% of charge |
| Blood glucose monitors | 12 | 1 appliance(s) every 3 years | Per monitor - $200.00 |
| Dietetics/dietary advice | 2 | $240 per person | Initial visit - $33.00 Subsequent visit - $17.00 |
| Eye therapy (orthoptics) | 2 | $500 per person (combined limit for eye therapy (orthoptics), occupational therapy & speech therapy) | Initial visit - $42.00 Subsequent visit - $42.00 |
| Health management / Healthy lifestyle | 2 | $200 per person (Sub-limits apply) | Health management - 60% of charge |
| Occupational therapy | 2 | Combined limit - see Eye therapy (orthoptics) | Initial visit - $36.00 Subsequent visit - $20.00 |
| Orthotics (podiatric orthoses) | 12 | $240 per person | Orthotics supply & fit - $240.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $22.00 Subsequent visit - $17.00 |
| Speech therapy | 2 | Combined limit - see Eye therapy (orthoptics) | Initial visit - $59.00 Subsequent visit - $32.00 |
| Standard Extras also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, $79 initial visit and $44 subsequent visit up to combined limit - see Psychology); 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, $108 per person up to 1 appliance every 3 years). **Note: Health Management/Healthy Lifestyle – initial visit for Strength for Life $27 is up to combined limit listed. | |||
| Acupuncture | Remedial massage | Other treatments - check with your insurer |
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.