HBF extras cover
Is HBF Value 50 worth it?
For one adult in NSW, it pays back more than it costs in two of the three ways of using extras worked through below, and costs more than it pays back in the other. It is $42.37 a month before the rebate, $32.15 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
$286 behind
That costs $200 with no cover. On this policy you’d pay $386 in premiums and get $100 back.
34th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $276 better off over the year.
Two dental visits and new glasses
+$14 ahead
That costs $700 with no cover. On this policy you’d pay $386 in premiums and get $400 back.
5th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $35 better off over the year.
Two dental visits, new glasses and six physio sessions
+$284 ahead
That costs $1,240 with no cover. On this policy you’d pay $386 in premiums and get $670 back.
4th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $85 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 | 50% of the fee | $500shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | 50% of the fee | $500shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 50% of the fee | $500shared with general dental and major dental | 12 months |
| Optical | 100% of the fee | $200 | 2 months |
| Physiotherapy | 50% of the fee | $300shared with chiropractic, exercise physiology and osteopathy | 2 months |
| Chiropractic | 50% of the fee | $300shared with physiotherapy, exercise physiology and osteopathy | 2 months |
| Psychology | 50% of the fee | $200shared with acupuncture, remedial massage, chinese herbal medicine, dietetics and health management | 2 months |
| Acupuncture | 50% of the fee | $200shared with psychology, remedial massage, chinese herbal medicine, dietetics and health management | 2 months |
| Remedial Massage | 50% of the fee | $200shared with psychology, acupuncture, chinese herbal medicine, dietetics and health management | 2 months |
| Chinese Herbal Medicine | 50% of the fee | $200shared with psychology, acupuncture, remedial massage, dietetics and health management | 2 months |
| Dietetics | 50% of the fee | $200shared with psychology, acupuncture, remedial massage, chinese herbal medicine and health management | 2 months |
| Exercise Physiology | 50% of the fee | $300shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Health Management | 50% of the fee | $200shared with psychology, acupuncture, remedial massage, chinese herbal medicine and dietetics | 2 months |
| Osteopathy | 50% of the fee | $300shared with physiotherapy, chiropractic and exercise physiology | 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
Multiple services share a single annual limit pool.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $42.37 | $84.73 | $84.73 | $72.00 |
| VIC | $42.71 | $85.43 | $85.43 | $72.61 |
| QLD | $40.80 | $81.60 | $81.60 | $69.35 |
| WA | $37.46 | $74.91 | $74.91 | $63.66 |
| SA | $41.93 | $83.86 | $83.86 | $71.26 |
| TAS | $35.20 | $70.39 | $70.39 | $59.83 |
| NT | $30.42 | $60.83 | $60.83 | $51.71 |
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 I32/NBTQI10 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.