Hospital + ExtrasClosed

Prime Package Silver Plus $500/$1000 Excess

A Hospital + Extras 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 (19)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $42.50 Scale and clean (114): $83.30 Fluoride (121): $21.25 Extraction (322): $132.30	$3,500 a yearShared with Major dental, Root canal (endodontics), Orthodontics (braces)
Major dental	12 months	Full crown, veneered (615): $780	$3,500 a yearShared with General dental, Root canal (endodontics), Orthodontics (braces)
Root canal (endodontics)	12 months	Root canal obturation (417): $150	$3,500 a yearShared with General dental, Major dental, Orthodontics (braces)
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $2,500	$3,500 a yearShared with General dental, Major dental, Root canal (endodontics)
Glasses and contact lenses	2 months	Single vision lenses and frames: $160 Multifocal lenses and frames: $160	$204 a year
Non-PBS prescription medicines	2 months	Per prescription: $200	$200 a year
Physiotherapy	2 months	Initial visit: $39 Subsequent visit: $33	$1,000 a yearShared with Chiropractic, Osteopathy
Chiropractic	2 months	Initial visit: $40 Subsequent visit: $30	$1,000 a yearShared with Physiotherapy, Osteopathy
Podiatry	2 months	Initial visit: $33 Subsequent visit: $30	Not stated
Psychology	2 months	Initial visit: $44 Subsequent visit: $44	$720 a year
Hearing aids	12 months	Per hearing aid: 100% of the fee	Not stated
Blood glucose monitors	12 months	Blood glucose monitor: $200	Not stated
Dietetics	2 months	Initial visit: $54 Subsequent visit: $32	$240 a year
Orthoptics	2 months	Initial visit: $45 Subsequent visit: $45	$600 a yearShared with Occupational therapy, Speech therapy
Health management programs	2 months	Health management program: 70% of the fee	$250 a year
Occupational therapy	2 months	Initial visit: $51 Subsequent visit: $39	$600 a yearShared with Orthoptics, Speech therapy
Orthotics	12 months	Per pair of orthotics: $240	$240 a year
Osteopathy	2 months	Initial visit: $39 Subsequent visit: $33	$1,000 a yearShared with Physiotherapy, Chiropractic
Speech therapy	2 months	Initial visit: $75 Subsequent visit: $40	$600 a yearShared with Orthoptics, Occupational therapy

Not covered: Audiology (hearing tests), Exercise physiology, Acupuncture, Chinese herbal medicine, Remedial massage, Vaccinations, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Major dental, Root canal (endodontics), Orthodontics (braces)
$3,500 a year
Glasses and contact lenses
$204 a year
Non-PBS prescription medicines
$200 a year
Physiotherapy, Chiropractic, Osteopathy
$1,000 a year
Podiatry
12 per year
Hearing aids
Not stated
Blood glucose monitors
1 per 3 years
Dietetics
$240 a year
Orthoptics, Occupational therapy, Speech therapy
$600 a year
Health management programs
$250 a year
Orthotics
$240 a year
Psychology
$720 a year

Insurer's notes (original English)

Other services

Prime Package Silver Plus also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, $79 initial visit and $44 subsequent visit up to $720 combined with Psychology per person); AIDS TO RECOVERY EQUIPMENT (waiting period 2 months, $50 per person); NON-SURGICALLY IMPLANTED APPLIANCES (waiting period 12 months, benefits vary depending on appliance up to $500 per person, sub-limits apply); NEBULISER (waiting period 12 months, $108 per person up to 1 appliance every 3 years. **Note: Health Management/Healthy Lifestyle – initial visit for Strength for Life is $35 up to combined limit listed.

Special features

Orthodontics and Implants combined sub-limit of $2,500. Orthodontic Lifetime Limit $2,500. 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 Prime Package Silver Plus $500/$1000 Excess pay for a scale and clean?

According to government data, Prime Package Silver Plus $500/$1000 Excess pays up to $83.30 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $3,500 a year.

What are the waiting periods for Prime Package Silver Plus $500/$1000 Excess?

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, Hearing aids 12 months, Blood glucose monitors 12 months, Dietetics 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 Prime Package Silver Plus $500/$1000 Excess be bought on its own?

This product combines hospital and Extras in one policy, with Silver Plus hospital cover.

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