(before any rebate or insurer discount)
Covers one adult & dependants (2 or more people, only one of whom is an adult)
Available in Queensland
# 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 and other dependants up to and including the age of 20, students up to and including the age of 30, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
HBF members have hundreds of participating optical stores nationally to choose from with access to a range of fully covered glasses. See http://www.hbf.com.au/health-insurance/find-a-provider.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $350 per person up to $700 per policy | Periodic oral examination - $24.00 Scale & clean - $49.00 Fluoride treatment - $13.00 Surgical tooth extraction - $112.00 |
| Optical | 2 | $120 per person up to $240 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy | 2 | $200 per person up to $400 per policy (combined limit for physiotherapy, chiropractic & osteopathy) | Initial visit - $39.00 Subsequent visit - $33.00 |
| Chiropractic | 2 | Initial visit - $35.00 Subsequent visit - $23.00 | |
| Acupuncture | 2 | $100 per person up to $200 per policy (combined limit for acupuncture, remedial massage, chinese medicine, health management / healthy lifestyle & other services) | Initial visit - $29.00 Subsequent visit - $29.00 |
| Remedial massage | 2 | Initial visit - $29.00 Subsequent visit - $29.00 | |
| Chinese medicine | 2 | Initial visit - $15.00 Subsequent visit - $15.00 | |
| Health management / Healthy lifestyle | 2 | Health management - 50% of charge | |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - $46.00 Subsequent visit - $33.00 |
| Smart Start Extras also includes cover for: Hypnotherapy (waiting period 2 months, $59 initial or subsequent visit up to combined limit - see Acupuncture); Myotherapy (waiting period 2 months, $29 initial or subsequent visit up to combined limit - see Acupuncture) | |||
| Blood glucose monitors | Major dental | Podiatry |
| Endodontic | Non PBS pharmaceuticals | Psychology |
| Hearing aids | Orthodontic | Other treatments - check with your insurer |
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
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.