Extras-onlyClosed

Everyday Extras

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

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (23)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $42 Scale and clean (114): $83 Fluoride (121): $21 Extraction (322): $116	$600 a year
Major dental	12 months	Full crown, veneered (615): $690	$1,500 a yearShared with Root canal (endodontics), Orthodontics (braces)
Root canal (endodontics)	12 months	Root canal obturation (417): $137	$1,500 a yearShared with Major dental, Orthodontics (braces)
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $1,500	$1,500 a yearShared with Major dental, Root canal (endodontics)
Glasses and contact lenses	2 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$225 a year
Non-PBS prescription medicines	2 months	Per prescription: $400	$400 a year
Physiotherapy	2 months	Initial visit: $44 Subsequent visit: $38	$400 a year
Chiropractic	2 months	Initial visit: $40 Subsequent visit: $27	$400 a year
Podiatry	2 months	Initial visit: $40 Subsequent visit: $34	$400 a yearShared with Orthotics
Psychology	2 months	Initial visit: $75 Subsequent visit: $75	$400 a year
Acupuncture	2 months	Initial visit: $39 Subsequent visit: $39	$200 a yearShared with Chinese herbal medicine
Remedial massage	2 months	Initial visit: $39 Subsequent visit: $39	$200 a year
Hearing aids	12 months	Per hearing aid: 100% of the fee	Not stated
Blood glucose monitors	12 months	Blood glucose monitor: 60% of the fee	$800 a year
Chinese herbal medicine	2 months	Initial visit: $39 Subsequent visit: $39	$200 a yearShared with Acupuncture
Dietetics	2 months	Initial visit: $62 Subsequent visit: $36	$400 a year
Exercise physiology	2 months	Initial visit: $28 Subsequent visit: $28	$400 a year
Orthoptics	2 months	Initial visit: $42 Subsequent visit: $42	$400 a year
Health management programs	2 months	Health management program: 60% of the fee	$200 a year
Occupational therapy	2 months	Initial visit: $58 Subsequent visit: $44	$400 a year
Orthotics	12 months	Per pair of orthotics: 60% of the fee	$400 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: $44 Subsequent visit: $38	$400 a year
Speech therapy	2 months	Initial visit: $65 Subsequent visit: $44	$400 a year

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

Annual limits

Services in the same group share one limit.

General dental
$600 a year
Major dental, Root canal (endodontics), Orthodontics (braces)
$1,500 a year
Glasses and contact lenses
$225 a year
Non-PBS prescription medicines
$400 a year
Physiotherapy
$400 a year
Chiropractic
$400 a year
Podiatry, Orthotics
$400 a year
Psychology
$400 a year
Also includes other services not listed
Acupuncture, Chinese herbal medicine
$200 a year
Also includes other services not listed
Remedial massage
$200 a year
Also includes other services not listed
Hearing aids
Not stated
Dietetics
$400 a year
Also includes other services not listed
Exercise physiology
$400 a year
Orthoptics
$400 a year
Health management programs
$200 a year
Occupational therapy
$400 a year
Osteopathy
$400 a year
Speech therapy
$400 a year
Blood glucose monitors
$800 a year, 1 per 3 years
Also includes other services not listed

Insurer's notes (original English)

Other services

Everyday Extras also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, $100 initial visit and $75 subsequent visit up to combined limit – see Psychology); HYPNOTHERAPY (waiting period 2 months, $78 initial or subsequent visit up to combined limit - see Acupuncture); MYOTHERAPY (waiting period 2 months, $39 initial or subsequent visit up to combined limit - see Remedial Massage); Other approved appliances (waiting period 2-12 months, 60% up to combined limit- see Blood glucose monitors, sub-limits apply); NUTRITION (waiting period 2 months, $62 initial visit and $36 subsequent visit up to combined limit - see Dietetics/dietary advice); NICOTINE REPLACEMENT THERAPY (waiting period 2 months, 100% up to combined limit - see Health Management/Healthy Lifestyle); TRAVEL VACCINATIONS (waiting period 2 months, 100% up to combined limit - see Health Management/Healthy Lifestyle).

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 Everyday Extras pay for a scale and clean?

According to government data, Everyday Extras pays up to $83 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $600 a year.

What are the waiting periods for Everyday Extras?

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 12 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.

Can Everyday Extras be bought on its own?

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

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