Pricing for a couple in NSW, under 65
Premium calculated for the profile shown, before the government rebate.
Value 50 pricing by household
Monthly premiums in NSW for an adult under 65, before the government rebate. Every household this policy is sold to is listed.
| Excess | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| $0 | $42.37/month | $84.73/month | $84.73/month | $72.00/month |
Single pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $9.75 | $42.37 | $508.44 |
Couple pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $19.50 | $84.73 | $1,016.76 |
Family pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $19.50 | $84.73 | $1,016.76 |
Single parent pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $16.57 | $72.00 | $864.00 |
Extras Coverage — Mid Level
Annual limits and benefits shown below.
| Service | Annual limit | Benefit | Waiting period | Details |
|---|---|---|---|---|
| General dental | $500 | 50% | 2 months | |
| Major dental | – | 50% | 12 months | |
| Endodontic | – | 50% | 12 months | |
| Optical | $200 | 100% | 2 months | |
| Physiotherapy | $300 | 50% | 2 months | |
| Chiropractic | – | 50% | 2 months | |
| Psychology | $200 | 50% | 2 months | |
| Osteopathy | – | 50% | 2 months | |
| Acupuncture | – | 50% | 2 months | |
| Remedial massage | – | 50% | 2 months | |
| Dietetics | – | 50% | 2 months | |
| Exercise physiology | – | 50% | 2 months | |
| Chinese herbal medicine | – | 50% | 2 months | |
| Health management | – | 50% | 2 months |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
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Premiums shown for your current profile — adjust in Live Mode panel to see all values update.
About Insurer
HBF Health is a not-for-profit health insurer based in WA. They offer 115 policies across hospital, extras, and combined cover.
HBF Health is a not-for-profit health fund based in Western Australia that has provided cover for more than 80 years. It offers hospital, extras and combined cover to members across Australia.
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HBF Health
Flex 50
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
HBF Health
Core Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
HBF Health
Basic Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
HBF Health
Smart Start Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
Important Information
This page provides a summary of Value 50 by HBF Health based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from HBF Health
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 9 September 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by HBF Health.
Frequently Asked Questions
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No registration · No paywall · Last updated 9 September 2026 · Data compiled and powered by Convincely
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