Extras-onlyClosed

Top 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 (24)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $50 Scale and clean (114): $98 Fluoride (121): $25 Extraction (322): $162	No annual limit
Major dental	12 months	Full crown, veneered (615): $960	$800 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $185	$800 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $800	$800 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: $250 Multifocal lenses and frames: $250	$551 a year
Non-PBS prescription medicines	2 months	Per prescription: $600	$600 a year
Physiotherapy	2 months	Initial visit: $63 Subsequent visit: $53	$1,000 a year
Chiropractic	2 months	Initial visit: $65 Subsequent visit: $40	$500 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: $47 Subsequent visit: $43	Not stated
Psychology	2 months	Initial visit: $70 Subsequent visit: $70	$1,850 a year
Acupuncture	2 months	Initial visit: $48 Subsequent visit: $48	$350 a yearShared with Chinese herbal medicine
Remedial massage	2 months	Initial visit: $48 Subsequent visit: $48	$400 a year
Hearing aids	12 months	Per hearing aid: 100% of the fee	Not stated
Blood glucose monitors	12 months	Blood glucose monitor: 100% of the fee	$200 a year
Chinese herbal medicine	2 months	Initial visit: $48 Subsequent visit: $48	$350 a yearShared with Acupuncture
Dietetics	2 months	Initial visit: $78 Subsequent visit: $45	$400 a year
Exercise physiology	2 months	Initial visit: $28 Subsequent visit: $28	$400 a year
Orthoptics	2 months	Initial visit: $49 Subsequent visit: $49	$1,000 a yearShared with Occupational therapy, Speech therapy
Health management programs	2 months	Health management program: 80% of the fee	$350 a year
Occupational therapy	2 months	Initial visit: $73 Subsequent visit: $55	$1,000 a yearShared with Orthoptics, Speech therapy
Orthotics	12 months	Per pair of orthotics: $276	$276 a year
Osteopathy	2 months	Initial visit: $55 Subsequent visit: $48	$500 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: $97 Subsequent visit: $56	$1,000 a yearShared with Orthoptics, Occupational therapy
Vaccinations	2 months	Per vaccination: 100% of the fee	Not stated

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)
$800 a year
Orthodontics (braces)
$800 a year, $2,800 lifetime
Glasses and contact lenses
$551 a year
Non-PBS prescription medicines
$600 a year
Physiotherapy
$1,000 a year
Chiropractic, Osteopathy
$500 a year
Podiatry
10 per year
Psychology
$1,850 a year
Acupuncture, Chinese herbal medicine
$350 a year
Remedial massage
$400 a year
Also includes other services not listed
Hearing aids
Not stated
Blood glucose monitors
$200 a year, 1 per 3 years
Dietetics
$400 a year
Exercise physiology
$400 a year
Orthoptics, Occupational therapy, Speech therapy
$1,000 a year
Health management programs
$350 a year
Orthotics
$276 a year
Vaccinations
Not stated

Insurer's notes (original English)

Other services

Top Extras also includes cover for: MYOTHERAPY (waiting period 2 months, $48 initial or subsequent visit up to combined limit - see Remedial Massage); CLINICAL PSYCHOLOGY (waiting period 2 months, $130 initial visit and $70 subsequent visit up to $1850 combined with psychology per person); NUTRITION (waiting period 2 months, $78 initial visit and $45 subsequent visit up to $200 per person); NICOTINE REPLACEMENT THERAPY (waiting period 2 months, $100 per person); 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, $180 per person up to 1 appliance every 3 years); HYPNOTHERAPY (waiting period 2 months, $98 initial or subsequent visit up to combined limit $400 per person, combined limit for Hypnotherapy, Health Monitoring Equipment & Preventative Equipment); HEALTH MONITORING EQUIPMENT (waiting period 2 months, $120 per person up to combined limit – see Hypnotherapy); PREVENTATIVE EQUIPMENT (waiting period 2 months, $120 per person up to combined limit – see Hypnotherapy). **Note: Health Management/Healthy Lifestyle – initial visit for Strength for Life is $47 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 Top Extras pay for a scale and clean?

According to government data, Top Extras pays up to $98 per 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 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, Vaccinations 2 months.

Can Top Extras be bought on its own?

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

Already have Extras? Make the most of your limits

Tell us your insurer and product name. We'll help you see what you can claim and find providers who speak your language and offer on-the-spot HICAPS claims.

Free matching