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Top 70

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): 70% of the fee Scale and clean (114): 70% of the fee Fluoride (121): 70% of the fee Extraction (322): 70% of the fee	No annual limit
Major dental	12 months	Full crown, veneered (615): 70% of the fee	$1,000 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 70% of the fee	$1,000 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$800 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	$275 a year
Non-PBS prescription medicines	2 months	Per prescription: 70% of the fee	$400 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$600 a yearShared with Exercise physiology
Chiropractic	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Orthotics
Psychology	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$500 a year
Acupuncture	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$300 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$300 a yearShared with Acupuncture, Chinese herbal medicine
Hearing aids	12 months	Per hearing aid: 100% of the fee	Not stated
Blood glucose monitors	2 months	Blood glucose monitor: 70% of the fee	$500 a year
Chinese herbal medicine	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$300 a yearShared with Acupuncture, Remedial massage
Dietetics	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a year
Exercise physiology	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$600 a yearShared with Physiotherapy
Orthoptics	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a year
Health management programs	2 months	Health management program: 100% of the fee	$350 a year
Occupational therapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a year
Orthotics	12 months	Per pair of orthotics: 70% of the fee	$400 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a year
Vaccinations	2 months	Per vaccination: 100% of the fee	$400 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
No annual limit
Major dental, Root canal (endodontics)
$1,000 a year
Orthodontics (braces)
$800 a year, $2,400 lifetime
Glasses and contact lenses
$275 a year
Non-PBS prescription medicines, Vaccinations
$400 a year
Physiotherapy, Exercise physiology
$600 a year
Chiropractic, Osteopathy
$400 a year
Podiatry, Orthotics
$400 a year
Psychology
$500 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$300 a year
Also includes other services not listed
Hearing aids
Not stated
Blood glucose monitors
$500 a year, 1 per year
Also includes other services not listed
Dietetics
$400 a year
Orthoptics
$400 a year
Health management programs
$350 a year
Occupational therapy
$400 a year
Speech therapy
$400 a year

Insurer's notes (original English)

Other services

Top 70 also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Psychology); HYPNOTHERAPY (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Acupuncture); MYOTHERAPY (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Acupuncture); APPLIANCES, PROSTHESES AND AIDS (waiting period 2-12 months, 70% up to combined limit - see Blood glucose monitors); NUTRITION (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Dietetics/dietary advice). **Note: Orthotics (podiatric orthoses) has a $250 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 Top 70 pay for a scale and clean?

According to government data, Top 70 pays 70% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.

What are the waiting periods for Top 70?

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 Top 70 be bought on its own?

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

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