Top 70
Compare 112 HBF Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HBF Health
Top 70
$204.40
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $204.40
- 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. T&Cs apply.
Ending 12 May 2026
Hospital Cover
Extras Cover
24 covered3 not covered
Endodontic
$1,000/person1 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/person1 yr
Full Crown (Veneered): 70% back
Orthodontic
$800/person1 yr
Braces (Upper & Lower): 100% back
Optical
$275/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
$400/person2 mo
1st visit: 70% backNext visit: 70% back
Acupuncture
$300/person2 mo
1st visit: 70% backNext visit: 70% back
Chinese Herbal Medicine
$300/person2 mo
1st visit: 70% backNext visit: 70% back
Chiropractic
$400/person2 mo
1st visit: 70% backNext visit: 70% back
Exercise Physiology
$600/person2 mo
1st visit: 70% backNext visit: 70% back
Occupational Therapy
$400/person2 mo
1st visit: 70% backNext visit: 70% back
Osteopathy
$400/person2 mo
1st visit: 70% backNext visit: 70% back
Physiotherapy
$600/person2 mo
1st visit: 70% backNext visit: 70% back
Psychology
$500/person2 mo
1st visit: 70% backNext visit: 70% back
Remedial Massage
$300/person2 mo
1st visit: 70% backNext visit: 70% back
Speech Therapy
$400/person2 mo
1st visit: 70% backNext visit: 70% back
Dietetics
$400/person2 mo
1st visit: 70% backNext visit: 70% back
Hearing Aids
1 yr
Hearing Aid: 100% back
Orthotics
$400/person1 yr
Orthotics: 70% back
Podiatry
$400/person2 mo
1st visit: 70% backNext visit: 70% back
Antenatal/Postnatal
-Audiology
-Home Nursing
-Glucose Monitor
$500/person2 mo
Glucose Monitor: 70% back
Health Management
$350/person2 mo
Health Management: 100% back
Non-PBS Pharmaceuticals
$400/person2 mo
Prescription: 70% back
Vaccinations
$400/person2 mo
Vaccination: 100% back
HBF Health
Top 70
$204.40
Excess
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The information on this page is general in nature and is not intended as financial advice, insurance advice, or a recommendation for any particular policy. All pricing shown is indicative only. Please verify all information directly with insurers and consider seeking professional advice for your specific circumstances.
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