HBF extras cover
Is HBF Complete 60 worth it?
For one adult in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $96.94 a month before the rebate, $73.56 after.
Three ways of using it
Worked for one adult in NSW, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$883 behind
That costs $200 with no cover. On this policy you’d pay $883 in premiums and get $0 back.
160th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $873 better off over the year.
Two dental visits and new glasses
$633 behind
That costs $700 with no cover. On this policy you’d pay $883 in premiums and get $250 back.
131st of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $682 better off over the year.
Two dental visits, new glasses and six physio sessions
$309 behind
That costs $1,240 with no cover. On this policy you’d pay $883 in premiums and get $574 back.
110th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $678 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | Covered, amount not published as a set figure | $800shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | Covered, amount not published as a set figure | $800shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 60% of the fee | $800shared with general dental and major dental | 12 months |
| Orthodontic | Covered, amount not published as a set figure | $600 | 12 months |
| Optical | 100% of the fee | $250 | 2 months |
| Non-PBS Medications | Covered, amount not published as a set figure | $300shared with vaccinations | 2 months |
| Physiotherapy | 60% of the fee | $500shared with chiropractic, podiatry, exercise physiology, orthotics and osteopathy | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $500shared with physiotherapy, podiatry, exercise physiology, orthotics and osteopathy | 2 months |
| Podiatry | 60% of the fee | $500shared with physiotherapy, chiropractic, exercise physiology, orthotics and osteopathy | 2 months |
| Psychology | 60% of the fee | $500shared with dietetics, orthoptics, occupational therapy and speech therapy | 2 months |
| Acupuncture | 60% of the fee | $350shared with remedial massage, glucose monitor, chinese herbal medicine and health management | 2 months |
| Remedial Massage | 60% of the fee | $350shared with acupuncture, glucose monitor, chinese herbal medicine and health management | 2 months |
| Hearing Aids | 100% of the fee | Not published | 12 months |
| Glucose Monitor | Covered, amount not published as a set figure | $350shared with acupuncture, remedial massage, chinese herbal medicine and health management | 2 months |
| Chinese Herbal Medicine | 60% of the fee | $350shared with acupuncture, remedial massage, glucose monitor and health management | 2 months |
| Dietetics | 60% of the fee | $500shared with psychology, orthoptics, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | 60% of the fee | $500shared with physiotherapy, chiropractic, podiatry, orthotics and osteopathy | 2 months |
| Orthoptics | 60% of the fee | $500shared with psychology, dietetics, occupational therapy and speech therapy | 2 months |
| Health Management | 100% of the fee | $350shared with acupuncture, remedial massage, glucose monitor and chinese herbal medicine | 2 months |
| Occupational Therapy | 60% of the fee | $500shared with psychology, dietetics, orthoptics and speech therapy | 2 months |
| Orthotics | Covered, amount not published as a set figure | $500shared with physiotherapy, chiropractic, podiatry, exercise physiology and osteopathy | 12 months |
| Osteopathy | 60% of the fee | $500shared with physiotherapy, chiropractic, podiatry, exercise physiology and orthotics | 2 months |
| Speech Therapy | 60% of the fee | $500shared with psychology, dietetics, orthoptics and occupational therapy | 2 months |
| Vaccinations | Covered, amount not published as a set figure | $300shared with non-pbs medications | 2 months |
As listed for one adult in NSW. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
Conditions to know
Some services within this category have lower limits than the main annual cap.
Multiple services share a single annual limit pool.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $96.94 | $193.88 | $213.26 | $164.77 |
| VIC | $90.38 | $180.76 | $198.84 | $153.65 |
| QLD | $90.12 | $180.24 | $198.23 | $153.17 |
| WA | $83.43 | $166.86 | $183.54 | $141.83 |
| SA | $87.51 | $175.03 | $192.49 | $148.74 |
| TAS | $76.82 | $153.65 | $168.99 | $130.57 |
| NT | $63.05 | $126.10 | $138.70 | $107.15 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 ahead
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. Product code I29/NBPNV10 on privatehealth.gov.au. 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.