Extras-onlyClosed

Top Extras Only

A Extras-only product from see-u by 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 (23)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $40 Scale and clean (114): $80 Fluoride (121): $25	No annual limit
Major dental	12 months	Extraction (322): $202 Full crown, veneered (615): $1,120	$1,600 a yearShared with Root canal (endodontics), Orthodontics (braces)
Root canal (endodontics)	12 months	Root canal obturation (417): $211	$1,600 a yearShared with Major dental, Orthodontics (braces)
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$1,600 a yearShared with Major dental, Root canal (endodontics)
Glasses and contact lenses	6 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: $50	$600 a year
Physiotherapy	2 months	Initial visit: $57 Subsequent visit: $37	$600 a year
Chiropractic	2 months	Initial visit: $51 Subsequent visit: $31	$400 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: $36 Subsequent visit: $29	$500 a yearShared with Orthotics
Psychology	2 months	Initial visit: $97 Subsequent visit: $71	$500 a yearShared with Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Speech therapy
Acupuncture	2 months	Initial visit: $51 Subsequent visit: $31	$300 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage	2 months	Initial visit: $31 Subsequent visit: $31	$300 a yearShared with Acupuncture, Chinese herbal medicine
Hearing aids	24 months	Per hearing aid: 100% of the fee	$1,600 a year
Blood glucose monitors	12 months	Blood glucose monitor: 80% of the fee	$600 a year
Chinese herbal medicine	2 months	Initial visit: $31 Subsequent visit: $31	$300 a yearShared with Acupuncture, Remedial massage
Dietetics	2 months	Initial visit: $58 Subsequent visit: $33	$500 a yearShared with Psychology, Exercise physiology, Orthoptics, Occupational therapy, Speech therapy
Exercise physiology	2 months	Initial visit: $51 Subsequent visit: $51	$500 a yearShared with Psychology, Dietetics, Orthoptics, Occupational therapy, Speech therapy
Orthoptics	2 months	Initial visit: $98 Subsequent visit: $98	$500 a yearShared with Psychology, Dietetics, Exercise physiology, Occupational therapy, Speech therapy
Health management programs	6 months	Health management program: 80% of the fee	$200 a year
Occupational therapy	2 months	Initial visit: $67 Subsequent visit: $43	$500 a yearShared with Psychology, Dietetics, Exercise physiology, Orthoptics, Speech therapy
Orthotics	12 months	Per pair of orthotics: 80% of the fee	$500 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: $51 Subsequent visit: $31	$400 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: $92 Subsequent visit: $43	$500 a yearShared with Psychology, Dietetics, Exercise physiology, Orthoptics, Occupational therapy

Not covered: Audiology (hearing tests), Vaccinations, 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), Orthodontics (braces)
$1,600 a year
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$600 a year
Physiotherapy
$600 a year
Chiropractic, Osteopathy
$400 a year
Podiatry, Orthotics
$500 a year
Psychology, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Speech therapy
$500 a year
Also includes other services not listed
Acupuncture, Remedial massage, Chinese herbal medicine
$300 a year
Also includes other services not listed
Hearing aids
$1,600 a year, 1 per 5 years
Blood glucose monitors
$600 a year, 1 per 3 years
Also includes other services not listed
Health management programs
$200 a year

Insurer's notes (original English)

Other services

Top Extras Only also includes cover for: Western Herbal Medicine (waiting period 2 months, $31 benefit up to combined limit - see Acupuncture), Naturopathy (waiting period 2 months, $31 benefit up to combined limit - see Acupuncture), Yoga (waiting period 2 months, $31 benefit for consultations, $10 benefit for group classes up to combined limit - see Acupuncture), Pilates (waiting period 2 months, $31 benefit for consultations, $10 benefit for group classes up to combined limit - see Acupuncture), Tai Chi (waiting period 2 months, $31 benefit up to combined limit - see Acupuncture), Shiatsu (waiting period 2 months, $31 benefit up to combined limit - see Acupuncture) and Alexander Technique (waiting period 2 months, $31 benefit for consultations, $10 benefit for group classes up to combined limit - see Acupuncture). This product also includes coverage for Counselling consultations under the Psychology limit. *Benefit replacement periods may apply to some Health Aids and Appliances - see insurer for details.

Frequently asked questions

How much does Top Extras Only pay for a scale and clean?

According to government data, Top Extras Only pays up to $80 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 Only?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 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 24 months, Blood glucose monitors 12 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 6 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months.

Can Top Extras Only be bought on its own?

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

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