Extras-onlyOn sale

Value 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 (14)

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	$500 a yearShared with Major dental, Root canal (endodontics)
Major dental	12 months	Full crown, veneered (615): 50% of the fee	$500 a yearShared with General dental, Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 50% of the fee	$500 a yearShared with General dental, Major dental
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
Physiotherapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Chiropractic, Exercise physiology, Osteopathy
Chiropractic	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Physiotherapy, Exercise physiology, Osteopathy
Psychology	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$200 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs
Acupuncture	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$200 a yearShared with Psychology, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs
Remedial massage	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$200 a yearShared with Psychology, Acupuncture, Chinese herbal medicine, Dietetics, Health management programs
Chinese herbal medicine	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$200 a yearShared with Psychology, Acupuncture, Remedial massage, Dietetics, Health management programs
Dietetics	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$200 a yearShared with Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Health management programs
Exercise physiology	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Physiotherapy, Chiropractic, Osteopathy
Health management programs	2 months	Health management program: 50% of the fee	$200 a yearShared with Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics
Osteopathy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a yearShared with Physiotherapy, Chiropractic, Exercise physiology

Not covered: Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Podiatry, Orthotics, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Vaccinations, 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)
$500 a year
Glasses and contact lenses
$200 a year
Physiotherapy, Chiropractic, Exercise physiology, Osteopathy
$300 a year
Psychology, Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics, Health management programs
$200 a year
Also includes other services not listed

Insurer's notes (original English)

Other services

Value 50 Extras also includes cover for: Counselling (waiting period 2 months, 50% initial or subsequent visit up to combined limit - see Psychology); Nutrition (waiting period 2 months, 50% initial or subsequent visit up to combined limit - see Psychology); Hypnotherapy (waiting period 2 months, 50% initial or subsequent visit up to combined limit - see Psychology); Myotherapy (waiting period 2 months, 50% initial or subsequent visit up to combined limit - see Psychology).

Frequently asked questions

How much does Value 50 pay for a scale and clean?

According to government data, Value 50 pays 50% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $500 a year.

What are the waiting periods for Value 50?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Glasses and contact lenses 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.

Can Value 50 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