HBF extras cover
Is HBF Flex 50 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 $51.32 a month before the rebate, $38.94 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
$467 behind
That costs $200 with no cover. On this policy you’d pay $467 in premiums and get $0 back.
80th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $457 better off over the year.
Two dental visits and new glasses
$267 behind
That costs $700 with no cover. On this policy you’d pay $467 in premiums and get $200 back.
66th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $317 better off over the year.
Two dental visits, new glasses and six physio sessions
+$3 ahead
That costs $1,240 with no cover. On this policy you’d pay $467 in premiums and get $470 back.
54th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $367 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, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management, osteopathy and vaccinations | 2 months |
| Major Dental | Covered, amount not published as a set figure | $800shared with general dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management, osteopathy and vaccinations | 12 months |
| Endodontic (Root Canal) | 50% of the fee | $800shared with general dental, major dental, non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management, osteopathy and vaccinations | 12 months |
| Optical | 100% of the fee | $200 | 2 months |
| Non-PBS Medications | 100% of the fee | $800shared with general dental, major dental, endodontic (root canal), physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management, osteopathy and vaccinations | 2 months |
| Physiotherapy | 50% of the fee | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management, osteopathy and vaccinations | 2 months |
| Chiropractic | 50% of the fee | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management, osteopathy and vaccinations | 2 months |
| Psychology | 50% of the fee | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management, osteopathy and vaccinations | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management, osteopathy and vaccinations | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, chinese herbal medicine, dietetics, exercise physiology, health management, osteopathy and vaccinations | 2 months |
| Chinese Herbal Medicine | Covered, amount not published as a set figure | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, dietetics, exercise physiology, health management, osteopathy and vaccinations | 2 months |
| Dietetics | 50% of the fee | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, exercise physiology, health management, osteopathy and vaccinations | 2 months |
| Exercise Physiology | 50% of the fee | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, health management, osteopathy and vaccinations | 2 months |
| Health Management | 100% of the fee | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, osteopathy and vaccinations | 2 months |
| Osteopathy | 50% of the fee | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management and vaccinations | 2 months |
| Vaccinations | 100% of the fee | $800shared with general dental, major dental, endodontic (root canal), non-pbs medications, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management and osteopathy | 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 | $51.32 | $102.63 | $107.76 | $87.21 |
| VIC | $52.19 | $104.37 | $109.59 | $88.69 |
| QLD | $50.36 | $100.72 | $105.72 | $85.60 |
| WA | $48.15 | $96.29 | $101.07 | $81.82 |
| SA | $50.80 | $101.59 | $106.63 | $86.34 |
| TAS | $41.63 | $83.25 | $87.38 | $70.74 |
| NT | $32.50 | $65.00 | $68.22 | $55.23 |
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 I27/NBPAX10 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.