Flex 50
Compare 112 HBF Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HBF Health
Flex 50
$32.50
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $32.50
- 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
16 covered11 not covered
Endodontic
$800/policy1 yr
Root Canal Therapy: 50% back
General Dental
$800/policy2 mo
Periodic Exam: 50% backScale & Clean: 50% backFluoride: 50% backExtraction: 50% back
Major Dental
$800/policy1 yr
Full Crown (Veneered): 50% back
Orthodontic
-Optical
$200/policy2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Acupuncture
$800/policy2 mo
1st visit: 50% backNext visit: 50% back
Chinese Herbal Medicine
$800/policy2 mo
1st visit: 50% backNext visit: 50% back
Chiropractic
$800/policy2 mo
1st visit: 50% backNext visit: 50% back
Exercise Physiology
$800/policy2 mo
1st visit: 50% backNext visit: 50% back
Osteopathy
$800/policy2 mo
1st visit: 50% backNext visit: 50% back
Physiotherapy
$800/policy2 mo
1st visit: 50% backNext visit: 50% back
Psychology
$800/policy2 mo
1st visit: 50% backNext visit: 50% back
Remedial Massage
$800/policy2 mo
1st visit: 50% backNext visit: 50% back
Occupational Therapy
-Speech Therapy
-Dietetics
$800/policy2 mo
1st visit: 50% backNext visit: 50% back
Antenatal/Postnatal
-Audiology
-Hearing Aids
-Home Nursing
-Orthotics
-Podiatry
-Health Management
$800/policy2 mo
Health Management: 100% back
Non-PBS Pharmaceuticals
$800/policy2 mo
Prescription: 100% back
Vaccinations
$800/policy2 mo
Vaccination: 100% back
Glucose Monitor
-HBF Health
Flex 50
$32.50
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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