Flex 50
Compare 115 HBF Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HBF Health
Flex 50
$102.63
50% back on general dental
100% back on optical lenses
50% back on physio
Emergency ambulance covered
HBF Member Plus
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $65.00
- Excess
- $0
Excellent Service Record0.74× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
Change your mind within 30 days
We do all the paperwork for you
Get 6 Weeks FREE! (Extras)
Get 6 Weeks FREE! (Extras)
Ending 17 Nov 2026
Hospital Cover
Extras Cover
16 covered11 not covered
HBF Member Plus dentistsSpecial dental rates at a HBF Member Plus dentist
Check if your dentist is in-networkSearch our provider directory for your clinic.
Endodontic
$800/person1 yr
Root Canal Therapy: 50% back
General Dental
$800/person2 mo
Periodic Exam: 50% backScale & Clean: 50% backFluoride: 50% backExtraction: 50% back
Major Dental
$800/person1 yr
Full Crown (Veneered): 50% back
Orthodontic
-Optical
$200/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Acupuncture
$800/person2 mo
1st visit: 50% backNext visit: 50% back
Chinese Herbal Medicine
$800/person2 mo
1st visit: 50% backNext visit: 50% back
Chiropractic
$800/person2 mo
1st visit: 50% backNext visit: 50% back
Exercise Physiology
$800/person2 mo
1st visit: 50% backNext visit: 50% back
Osteopathy
$800/person2 mo
1st visit: 50% backNext visit: 50% back
Physiotherapy
$800/person2 mo
1st visit: 50% backNext visit: 50% back
Psychology
$800/person2 mo
1st visit: 50% backNext visit: 50% back
Remedial Massage
$800/person2 mo
1st visit: 50% backNext visit: 50% back
Occupational Therapy
-Speech Therapy
-Dietetics
$800/person2 mo
1st visit: 50% backNext visit: 50% back
Antenatal/Postnatal
-Audiology
-Hearing Aids
-Home Nursing
-Orthotics
-Podiatry
-Health Management
$800/person2 mo
Health Management: 100% back
Non-PBS Pharmaceuticals
$800/person2 mo
Prescription: 100% back
Vaccinations
$800/person2 mo
Vaccination: 100% back
Glucose Monitor
-HBF Health
Flex 50
$102.63
50% back on general dental
100% back on optical lenses
50% back on physio
Emergency ambulance covered
HBF Member Plus
Excess
Frequently Asked Questions
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