Extras-onlyOn sale

Complete 60

A Extras-only product from HBF. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (24)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 60% of the fee Scale and clean (114): 60% of the fee Fluoride (121): 60% of the fee Extraction (322): 60% of the fee	$800 a yearShared with Major dental, Root canal (endodontics)
Major dental	12 months	Full crown, veneered (615): 60% of the fee	$800 a yearShared with General dental, Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 60% of the fee	$800 a yearShared with General dental, Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$600 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: 100% of the fee	$300 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Chiropractic, Podiatry, Exercise physiology, Orthotics, Osteopathy
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Physiotherapy, Podiatry, Exercise physiology, Orthotics, Osteopathy
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Physiotherapy, Chiropractic, Exercise physiology, Orthotics, Osteopathy
Psychology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Dietetics, Orthoptics, Occupational therapy, Speech therapy
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Remedial massage, Blood glucose monitors, Chinese herbal medicine, Health management programs
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Acupuncture, Blood glucose monitors, Chinese herbal medicine, Health management programs
Hearing aids	12 months	Per hearing aid: 100% of the fee	Not stated
Blood glucose monitors	2 months	Blood glucose monitor: 60% of the fee	$350 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine, Health management programs
Chinese herbal medicine	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a yearShared with Acupuncture, Remedial massage, Blood glucose monitors, Health management programs
Dietetics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Psychology, Orthoptics, Occupational therapy, Speech therapy
Exercise physiology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Physiotherapy, Chiropractic, Podiatry, Orthotics, Osteopathy
Orthoptics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Psychology, Dietetics, Occupational therapy, Speech therapy
Health management programs	2 months	Health management program: 100% of the fee	$350 a yearShared with Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine
Occupational therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Psychology, Dietetics, Orthoptics, Speech therapy
Orthotics	12 months	Per pair of orthotics: 60% of the fee	$500 a yearShared with Physiotherapy, Chiropractic, Podiatry, Exercise physiology, Osteopathy
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Physiotherapy, Chiropractic, Podiatry, Exercise physiology, Orthotics
Speech therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$500 a yearShared with Psychology, Dietetics, Orthoptics, Occupational therapy
Vaccinations	2 months	Per vaccination: 100% of the fee	$300 a yearShared with Non-PBS prescription medicines

Not covered: Audiology (hearing tests), Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Major dental, Root canal (endodontics)
$800 a year
Orthodontics (braces)
$600 a year, $1,800 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines, Vaccinations
$300 a year
Physiotherapy, Chiropractic, Podiatry, Exercise physiology, Orthotics, Osteopathy
$500 a year
Psychology, Dietetics, Orthoptics, Occupational therapy, Speech therapy
$500 a year
Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Health management programs
$350 a year
Also includes other services not listed
Hearing aids
Not stated

Insurer's notes (original English)

Other services

Complete 60 also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, 60% initial or subsequent visit up to combined limit - see Psychology); NUTRITION (waiting period 2 months, 60% initial or subsequent visit up to combined limit - see Psychology); HYPNOTHERAPY (waiting period 2 months, 60% initial or subsequent visit up to combined limit - see Acupuncture); MYOTHERAPY (waiting period 2 months, 60% initial or subsequent visit up to combined limit - see Acupuncture); APPLIANCES, PROSTHESES AND AIDS (waiting period 2-12 months, 60% up to combined limit - see Acupuncture). **Note: Orthotics (podiatric orthoses) has a $200 sub-limit.

Special features

Before a benefit is payable on an eligible Pharmacy item, a co-payment amount reasonably determined by HBF is deducted from the cost of each script.

Frequently asked questions

How much does Complete 60 pay for a scale and clean?

According to government data, Complete 60 pays 60% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $800 a year.

What are the waiting periods for Complete 60?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 12 months, Blood glucose monitors 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 2 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can Complete 60 be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

Already have Extras? Make the most of your limits

Tell us your insurer and product name. We'll help you see what you can claim and find providers who speak your language and offer on-the-spot HICAPS claims.

Free matching