Extras-onlyClosed

Standard 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 (19)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $37.50 Scale and clean (114): $73.50 Fluoride (121): $18.75 Extraction (322): $108	$600 a year
Major dental	12 months	Full crown, veneered (615): $630	$800 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $120	$800 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $500	$500 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: $185 Multifocal lenses and frames: $185	$389 a year
Non-PBS prescription medicines	2 months	Per prescription: $200	$200 a year
Physiotherapy	2 months	Initial visit: $39 Subsequent visit: $33	$350 a year
Chiropractic	2 months	Initial visit: $40 Subsequent visit: $32	$350 a yearShared with 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: $42 Subsequent visit: $42	$500 a yearShared with Occupational therapy, Speech therapy
Health management programs	2 months	Health management program: 60% of the fee	$200 a year
Occupational therapy	2 months	Initial visit: $51 Subsequent visit: $39	$500 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	$350 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: $59 Subsequent visit: $39	$500 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
$600 a year
Major dental, Root canal (endodontics)
$800 a year
Orthodontics (braces)
$500 a year, $1,850 lifetime
Glasses and contact lenses
$389 a year
Non-PBS prescription medicines
$200 a year
Physiotherapy
$350 a year
Chiropractic, Osteopathy
$350 a year
Podiatry
10 per year
Hearing aids
Not stated
Blood glucose monitors
1 per 3 years
Dietetics
$240 a year
Orthoptics, Occupational therapy, Speech therapy
$500 a year
Health management programs
$200 a year
Orthotics
$240 a year
Psychology
$720 a year
Also includes other services not listed

Insurer's notes (original English)

Other services

Standard Extras also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, $79 initial visit and $44 subsequent visit up to combined limit - see Psychology); NON-SURGICALLY IMPLANTED APPLIANCES (waiting period 12 months, benefits vary depending on aid 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 $27 is up to combined limit listed.

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 Standard Extras pay for a scale and clean?

According to government data, Standard Extras pays up to $73.50 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 Standard 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, 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 Standard Extras be bought on its own?

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

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