HBF extras cover
Is HBF Core Extras worth it?
For one adult in NSW, it pays back more than it costs in one of the three ways of using extras worked through below, and costs more than it pays back in the other two. It is $55.84 a month before the rebate, $42.37 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
$477 behind
That costs $200 with no cover. On this policy you’d pay $508 in premiums and get $31 back.
83rd of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $468 better off over the year.
Two dental visits and new glasses
$196 behind
That costs $700 with no cover. On this policy you’d pay $508 in premiums and get $312 back.
45th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $246 better off over the year.
Two dental visits, new glasses and six physio sessions
+$56 ahead
That costs $1,240 with no cover. On this policy you’d pay $508 in premiums and get $564 back.
42nd of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $314 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 | $31 a visit | $800shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | $743 a visit | $800shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $137 a visit | $800shared with general dental and major dental | 12 months |
| Orthodontic | 100% of the fee | $400 | 12 months |
| Optical | 100% of the fee | $250 | 2 months |
| Non-PBS Medications | $40 a visit | $200shared with vaccinations | 2 months |
| Physiotherapy | $50 a visit first, then $42 a visit | $400shared with chiropractic, exercise physiology and osteopathy | 2 months |
| Chiropractic | $40 a visit first, then $27 a visit | $400shared with physiotherapy, exercise physiology and osteopathy | 2 months |
| Podiatry | $33 a visit first, then $24 a visit | $400shared with orthoptics, occupational therapy, orthotics and speech therapy | 2 months |
| Psychology | $79 a visit | $400shared with acupuncture, remedial massage, chinese herbal medicine, dietetics and health management | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $400shared with psychology, remedial massage, chinese herbal medicine, dietetics and health management | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $400shared with psychology, acupuncture, chinese herbal medicine, dietetics and health management | 2 months |
| Chinese Herbal Medicine | Covered, amount not published as a set figure | $400shared with psychology, acupuncture, remedial massage, dietetics and health management | 2 months |
| Dietetics | $54 a visit first, then $32 a visit | $400shared with psychology, acupuncture, remedial massage, chinese herbal medicine and health management | 2 months |
| Exercise Physiology | $44 a visit first, then $34 a visit | $400shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Orthoptics | $38 a visit | $400shared with podiatry, occupational therapy, orthotics and speech therapy | 2 months |
| Health Management | 60% of the fee | $400shared with psychology, acupuncture, remedial massage, chinese herbal medicine and dietetics | 2 months |
| Occupational Therapy | $48 a visit first, then $28 a visit | $400shared with podiatry, orthoptics, orthotics and speech therapy | 2 months |
| Orthotics | $192 a visit | $400shared with podiatry, orthoptics, occupational therapy and speech therapy | 12 months |
| Osteopathy | $52 a visit first, then $38 a visit | $400shared with physiotherapy, chiropractic and exercise physiology | 2 months |
| Speech Therapy | $51 a visit first, then $39 a visit | $400shared with podiatry, orthoptics, occupational therapy and orthotics | 2 months |
| Vaccinations | $40 a visit | $200shared 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 | $55.84 | $111.67 | $117.23 | $94.90 |
| VIC | $56.31 | $112.63 | $118.23 | $95.73 |
| QLD | $54.14 | $108.28 | $113.67 | $92.03 |
| WA | $53.36 | $106.72 | $112.02 | $90.69 |
| SA | $56.84 | $113.67 | $119.32 | $96.59 |
| TAS | $46.06 | $92.12 | $96.73 | $78.30 |
| NT | $40.63 | $81.26 | $85.30 | $69.05 |
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 I31/NBTAA10 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.