Smart Start Extras
Compare 115 HBF Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
HBF Health
Smart Start Extras
$22.16
Emergency ambulance covered
100% back on single vision lenses
100% back on multifocal lenses
Dental included
Physio included
Excess
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $14.95
- 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
9 covered18 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.
General Dental
$350/policy2 mo
Periodic Exam: $24Scale & Clean: $49 or 50% at HBF Member PlusFluoride: $13Extraction: $112
Endodontic
-Major Dental
-Orthodontic
-Optical
$120/policy2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-Acupuncture
$100/policy2 mo
1st visit: $29Next visit: $29
Chinese Herbal Medicine
$100/policy2 mo
1st visit: $15Next visit: $15
Chiropractic
$200/policy2 mo
1st visit: $35Next visit: $23
Osteopathy
$200/policy2 mo
1st visit: $46Next visit: $33
Physiotherapy
$200/policy2 mo
1st visit: $39Next visit: $33
Remedial Massage
$100/policy2 mo
1st visit: $29Next visit: $29
Exercise Physiology
-Occupational Therapy
-Psychology
-Speech Therapy
-Health Management
$100/policy2 mo
Health Management: 50% back
Glucose Monitor
-Non-PBS Pharmaceuticals
-Vaccinations
-HBF Health
Smart Start Extras
$22.16
Emergency ambulance covered
100% back on single vision lenses
100% back on multifocal lenses
Dental included
Physio included
Excess
Frequently Asked Questions
I need cover for...