HBF extras cover
Is HBF Top 70 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 $169.59 a month before the rebate, $128.69 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
$1,404 behind
That costs $200 with no cover. On this policy you’d pay $1,544 in premiums and get $140 back.
208th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,394 better off over the year.
Two dental visits and new glasses
$989 behind
That costs $700 with no cover. On this policy you’d pay $1,544 in premiums and get $555 back.
171st of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,038 better off over the year.
Two dental visits, new glasses and six physio sessions
$611 behind
That costs $1,240 with no cover. On this policy you’d pay $1,544 in premiums and get $933 back.
151st of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $981 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 | 70% of the fee | Not published | 2 months |
| Major Dental | 70% of the fee | $1,000shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 70% of the fee | $1,000shared with major dental | 12 months |
| Orthodontic | Covered, amount not published as a set figure | $800 | 12 months |
| Optical | 100% of the fee | $275 | 2 months |
| Non-PBS Medications | Covered, amount not published as a set figure | $400shared with vaccinations | 2 months |
| Physiotherapy | 70% of the fee | $600shared with exercise physiology | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $400shared with osteopathy | 2 months |
| Podiatry | 70% of the fee | $400shared with orthotics | 2 months |
| Psychology | 70% of the fee | $500 | 2 months |
| Acupuncture | 70% of the fee | $300shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | 70% of the fee | $300shared with acupuncture and chinese herbal medicine | 2 months |
| Hearing Aids | 100% of the fee | Not published | 12 months |
| Glucose Monitor | Covered, amount not published as a set figure | $500 | 2 months |
| Chinese Herbal Medicine | 70% of the fee | $300shared with acupuncture and remedial massage | 2 months |
| Dietetics | 70% of the fee | $400 | 2 months |
| Exercise Physiology | 70% of the fee | $600shared with physiotherapy | 2 months |
| Orthoptics | 70% of the fee | $400 | 2 months |
| Health Management | 100% of the fee | $350 | 2 months |
| Occupational Therapy | 70% of the fee | $400 | 2 months |
| Orthotics | Covered, amount not published as a set figure | $400shared with podiatry | 12 months |
| Osteopathy | 70% of the fee | $400shared with chiropractic | 2 months |
| Speech Therapy | 70% of the fee | $400 | 2 months |
| Vaccinations | 100% of the fee | $400shared 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 | $169.59 | $339.19 | $356.14 | $288.31 |
| VIC | $151.95 | $303.91 | $319.07 | $258.28 |
| QLD | $149.39 | $298.78 | $313.68 | $253.94 |
| WA | $138.79 | $277.57 | $291.44 | $235.90 |
| SA | $137.18 | $274.36 | $288.05 | $233.17 |
| TAS | $126.10 | $252.20 | $264.80 | $214.35 |
| NT | $102.20 | $204.40 | $214.61 | $173.72 |
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 I30/NBPUH10 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.