Health Insurance

Smart Start Extras

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

HBF Health logo

HBF Health

Smart Start Extras

$25.38

Emergency ambulance covered

100% back on single vision lenses

100% back on multifocal lenses

Dental included

Physio included

Excess

Why this cover

Member guide

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$25.38
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

9 covered18 not covered
General Dental
$350/person2 mo
Periodic Exam: $24Scale & Clean: $49Fluoride: $13Extraction: $112
Endodontic
-
Major Dental
-
Orthodontic
-
Optical
$120/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-
Acupuncture
$100/person2 mo
1st visit: $29Next visit: $29
Chinese Herbal Medicine
$100/person2 mo
1st visit: $15Next visit: $15
Chiropractic
$200/person2 mo
1st visit: $35Next visit: $23
Osteopathy
$200/person2 mo
1st visit: $46Next visit: $33
Physiotherapy
$200/person2 mo
1st visit: $39Next visit: $33
Remedial Massage
$100/person2 mo
1st visit: $29Next visit: $29
Exercise Physiology
-
Occupational Therapy
-
Psychology
-
Speech Therapy
-
Health Management
$100/person2 mo
Health Management: 50% back
Glucose Monitor
-
Non-PBS Pharmaceuticals
-
Vaccinations
-
HBF Health logo

HBF Health

Smart Start Extras

$25.38

Emergency ambulance covered

100% back on single vision lenses

100% back on multifocal lenses

Dental included

Physio included

Excess

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