(before any rebate or insurer discount)
Covers one adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult)
Available in Western Australia
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This policy covers children, students up to and including the age of 30 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
HBF members can access a range of participating dentists in WA, this means you get 75% back for preventative dental services. See http://www.hbf.com.au/health-insurance/find-a-provider.
| Note, for items marked with an asterisk *: 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. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 2 | $1,000 per person (combined limit for general dental, major dental, endodontic, non pbs pharmaceuticals, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, chinese medicine, dietetics/dietary advice, exercise physiology, health management / healthy lifestyle, osteopathy & vaccinations - Sub-limits apply) | Periodic oral examination - 60% of charge Scale & clean - 60% of charge Fluoride treatment - 60% of charge Surgical tooth extraction - 60% of charge |
| Major dental | 12 | Full crown veneered - 60% of charge | |
| Endodontic | 12 | Filling of one root canal - 60% of charge | |
| Optical | 2 | $220 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals* | 2 | Combined limit - see General dental | Per eligible prescription - 100% of charge |
| Physiotherapy | 2 | Combined limit - see General dental | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Chiropractic | 2 | Combined limit - see General dental | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Psychology | 2 | Combined limit - see General dental | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Acupuncture | 2 | Combined limit - see General dental | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Remedial massage | 2 | Combined limit - see General dental | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Chinese medicine | 2 | Combined limit - see General dental | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Dietetics/dietary advice | 2 | Combined limit - see General dental | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Exercise physiology | 2 | Combined limit - see General dental | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Health management / Healthy lifestyle | 2 | Combined limit - see General dental | Health management - 100% of charge |
| Osteopathy | 2 | Combined limit - see General dental | Initial visit - 60% of charge Subsequent visit - 60% of charge |
| Vaccinations* | 2 | Combined limit - see General dental | Per service - 100% of charge |
| Flex 60 also includes cover for: Hypnotherapy (waiting period 2 months, 60% initial or subsequent visit up to combined limit - see General Dental); Myotherapy (waiting period 2 months, 60% initial or subsequent visit up to combined limit - see General Dental). **Note: Natural Therapies (Acupuncture, Hypnotherapy, Myotherapy, Remedial Massage and Traditional Chinese Medicine) has a $250 sub-limit. | |||
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Podiatry |
In Western Australia this policy provides:
Emergency: Unlimited with a waiting period of 7 days.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
Emergency ambulance provides full cover for emergency treatment and urgent ambulance transport (by road) within Australia by a State Government ambulance provider or an HBF approved ambulance provider. Services not covered include air ambulance services, transport between a public hospital to your home and transport not provided in an ambulance.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.