Health Insurance

Top 70

Compare 112 HBF Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

HBF Health logo

HBF Health

Top 70

$102.20

70% back on general dental

100% back on orthodontics

100% back on optical lenses

70% back on physio

Emergency ambulance covered

Excess

Why this cover

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$102.20
Excess
$0
Average Service Record0.82× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

Up to 12 weeks FREE plus up to $200 gift card and no waits on eligible extras

For new members who start and keep eligible combined cover. Weeks free applied over 26 months. Offer ends 12 May 2026.

Ending 12 May 2026

Hospital Cover

Extras Cover

24 covered3 not covered
Endodontic
$1,000/policy1 yr
Root Canal Therapy: 70% back
General Dental
Unlimited2 mo
Periodic Exam: 70% backScale & Clean: 70% backFluoride: 70% backExtraction: 70% back
Major Dental
$1,000/policy1 yr
Full Crown (Veneered): 70% back
Orthodontic
$800/policy1 yr
Braces (Upper & Lower): 100% back
Optical
$275/policy2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
$400/policy2 mo
1st visit: 70% backNext visit: 70% back
Acupuncture
$300/policy2 mo
1st visit: 70% backNext visit: 70% back
Chinese Herbal Medicine
$300/policy2 mo
1st visit: 70% backNext visit: 70% back
Chiropractic
$400/policy2 mo
1st visit: 70% backNext visit: 70% back
Exercise Physiology
$600/policy2 mo
1st visit: 70% backNext visit: 70% back
Occupational Therapy
$400/policy2 mo
1st visit: 70% backNext visit: 70% back
Osteopathy
$400/policy2 mo
1st visit: 70% backNext visit: 70% back
Physiotherapy
$600/policy2 mo
1st visit: 70% backNext visit: 70% back
Psychology
$500/policy2 mo
1st visit: 70% backNext visit: 70% back
Remedial Massage
$300/policy2 mo
1st visit: 70% backNext visit: 70% back
Speech Therapy
$400/policy2 mo
1st visit: 70% backNext visit: 70% back
Dietetics
$400/policy2 mo
1st visit: 70% backNext visit: 70% back
Hearing Aids
1 yr
Hearing Aid: 100% back
Orthotics
$400/policy1 yr
Orthotics: 70% back
Podiatry
$400/policy2 mo
1st visit: 70% backNext visit: 70% back
Antenatal/Postnatal
-
Audiology
-
Home Nursing
-
Glucose Monitor
$500/policy2 mo
Glucose Monitor: 70% back
Health Management
$350/policy2 mo
Health Management: 100% back
Non-PBS Pharmaceuticals
$400/policy2 mo
Prescription: 70% back
Vaccinations
$400/policy2 mo
Vaccination: 100% back
HBF Health logo

HBF Health

Top 70

$102.20

70% back on general dental

100% back on orthodontics

100% back on optical lenses

70% back on physio

Emergency ambulance covered

Excess

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