Extras cover
HBF extras cover: which policies are worth it?
HBF sells 8 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, one pays back more than it costs.
Every HBF extras policy
Each one worked for one adult in NSW unless marked, under 65, after the rebate, over a year at typical prices. The three columns are a year with one dental check-up a year; two dental visits and new glasses; two dental visits, new glasses and six physio sessions.
- Value 50$286 behind+$14 ahead+$284 ahead$42.37 a month before the rebateA check-up$286 behindTeeth and glasses+$14 aheadTeeth, glasses, physio+$284 ahead
- Basic Extras$225 behind$28 behind+$146 ahead$28.85 a month before the rebateA check-up$225 behindTeeth and glasses$28 behindTeeth, glasses, physio+$146 ahead
- Smart Start Extras$178 behind$34 behind+$164 ahead$22.16 a month before the rebateA check-up$178 behindTeeth and glasses$34 behindTeeth, glasses, physio+$164 ahead
- Core Extras$477 behind$196 behind+$56 ahead$55.84 a month before the rebateA check-up$477 behindTeeth and glasses$196 behindTeeth, glasses, physio+$56 ahead
- Flex 50$467 behind$267 behind+$3 ahead$51.32 a month before the rebateA check-up$467 behindTeeth and glasses$267 behindTeeth, glasses, physio+$3 ahead
- Flex 60$721 behind$501 behind$177 behind$79.21 a month before the rebateA check-up$721 behindTeeth and glasses$501 behindTeeth, glasses, physio$177 behind
- Complete 60$883 behind$633 behind$309 behind$96.94 a month before the rebateA check-up$883 behindTeeth and glasses$633 behindTeeth, glasses, physio$309 behind
- Top 70$1,404 behind$989 behind$611 behind$169.59 a month before the rebateA check-up$1,404 behindTeeth and glasses$989 behindTeeth, glasses, physio$611 behind
These are three set examples, not your year.
Put in what you actually use and the calculator ranks every policy from every fund, HBF included.
Work out mine →Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Corporate products and extras sold only with a hospital policy are left out. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.