Extras-onlyOn sale

Flex 50

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 (16)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 50% of the fee Scale and clean (114): 50% of the fee Fluoride (121): 50% of the fee Extraction (322): 50% of the fee	$800 a yearShared with Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Major dental	12 months	Full crown, veneered (615): 50% of the fee	$800 a yearShared with General dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Root canal (endodontics)	12 months	Root canal obturation (417): 50% of the fee	$800 a yearShared with General dental, Major dental, Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Glasses and contact lenses	2 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$200 a year
Non-PBS prescription medicines	2 months	Per prescription: 100% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Physiotherapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Chiropractic	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Psychology	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Acupuncture	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Remedial massage	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Chinese herbal medicine	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Dietetics	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology, Health management programs, Osteopathy, Vaccinations
Exercise physiology	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs, Osteopathy, Vaccinations
Health management programs	2 months	Health management program: 100% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Osteopathy, Vaccinations
Osteopathy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Vaccinations
Vaccinations	2 months	Per vaccination: 100% of the fee	$800 a yearShared with General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy

Not covered: Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Podiatry, Orthotics, Speech therapy, Occupational therapy, Blood glucose monitors, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Major dental, Root canal (endodontics), Non-PBS prescription medicines, Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Exercise physiology, Health management programs, Osteopathy, Vaccinations
$800 a year
Also includes other services not listed
Glasses and contact lenses
$200 a year

Insurer's notes (original English)

Other services

Flex 50 also includes cover for: Hypnotherapy (waiting period 2 months, 50% initial or subsequent visit up to combined limit - see General Dental); Myotherapy (waiting period 2 months, 50% initial or subsequent visit up to combined limit - see General Dental). **Note: Natural Therapies (Acupuncture, Hypnotherapy, Myotherapy, Remedial Massage and Traditional Chinese Medicine) 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 Flex 50 pay for a scale and clean?

According to government data, Flex 50 pays 50% 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 Flex 50?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Health management programs 2 months, Osteopathy 2 months, Vaccinations 2 months.

Can Flex 50 be bought on its own?

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

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