Core Extras
An extras policy from HBF.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement HBF files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
HBF's page for this policyAgainst every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 22 services for $55.84 a month. Of the 214 other policies, 66 cost less and 49 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $55.84 | $111.67 | $117.23 | $94.90 | $150.74 | $106.07 |
| VIC | $56.31 | $112.63 | $118.23 | $95.73 | $152.04 | $106.98 |
| QLD | $54.14 | $108.28 | $113.67 | $92.03 | $146.13 | $102.85 |
| SA | $56.84 | $113.67 | $119.32 | $96.59 | $153.43 | $107.98 |
| WA | $53.36 | $106.72 | $112.02 | $90.69 | $144.04 | $101.37 |
| TAS | $46.06 | $92.12 | $96.73 | $78.30 | $124.36 | $87.51 |
| NT | $40.63 | $81.26 | $85.30 | $69.05 | $109.67 | $77.17 |
Pays towards 22 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$800typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$800typical policy $1,000
- Optical$250typical policy $220
- Physiotherapyshared with chiropractic, exercise physiology, osteopathy$400typical policy $450
- Chiropracticshared with physiotherapy, exercise physiology, osteopathy$400typical policy $400
- Psychologyshared with 5 other services$400typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$31.00typical policy $35.20
- Scale and clean (item 114)$63.00typical policy $66.85
- Full crown, veneered (item 615)$743.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$50.00typical policy $42.00
- Psychology, first visit$79.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $800shared with major dental, endodontic (root canals) | Periodic oral exam (item 012): $31.00Scale and clean (item 114): $63.00Fluoride treatment (item 121): $17.00Simple extraction (item 322): $144.00 |
| Major dental | 12 months | $800shared with general dental, endodontic (root canals) | Full crown, veneered (item 615): $743.00 |
| Endodontic (root canals) | 12 months | $800shared with general dental, major dental | Root canal filling (item 417): $137.00 |
| Orthodontics | 12 months | $400, $1,200 lifetime | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 2 months | $250 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicinesconditions apply | 2 months | $200shared with vaccinations | Non-PBS prescription: $40.00 |
| Physiotherapy | 2 months | $400shared with chiropractic, exercise physiology, osteopathy | Physiotherapy, first visit: $50.00Physiotherapy, later visit: $42.00 |
| Chiropractic | 2 months | $400shared with physiotherapy, exercise physiology, osteopathy | Chiropractic, first visit: $40.00Chiropractic, later visit: $27.00 |
| Podiatry | 2 months | $400shared with 4 other services | Podiatry, first visit: $33.00Podiatry, later visit: $24.00 |
| Psychology | 2 months | $400shared with 5 other services | Psychology, first visit: $79.00Psychology, later visit: $79.00 |
| Acupuncture | 2 months | $400shared with 5 other services | Acupuncture, first visit: $34.00Acupuncture, later visit: $34.00 |
| Remedial massage | 2 months | $400shared with 5 other services | Remedial massage, first visit: $34.00Remedial massage, later visit: $34.00 |
| Chinese herbal medicine | 2 months | $400shared with 5 other services | Chinese herbal medicine, first visit: $18.00Chinese herbal medicine, later visit: $18.00 |
| Dietetics | 2 months | $400shared with 5 other services | Dietetics, first visit: $54.00Dietetics, later visit: $32.00 |
| Exercise physiology | 2 months | $400shared with physiotherapy, chiropractic, osteopathy | Exercise physiology, first visit: $44.00Exercise physiology, later visit: $34.00 |
| Orthoptics | 2 months | $400shared with 4 other services | Orthoptics, first visit: $38.00Orthoptics, later visit: $38.00 |
| Health management programs | 2 months | $400shared with 5 other services | Health management program: 60% |
| Occupational therapy | 2 months | $400shared with 4 other services | Occupational therapy, first visit: $48.00Occupational therapy, later visit: $28.00 |
| Orthotics | 12 months | $400shared with 4 other services | Orthotics: $192.00 |
| Osteopathy | 2 months | $400shared with physiotherapy, chiropractic, exercise physiology | Osteopathy, first visit: $52.00Osteopathy, later visit: $38.00 |
| Speech therapy | 2 months | $400shared with 4 other services | Speech therapy, first visit: $51.00Speech therapy, later visit: $39.00 |
| Vaccinationsconditions apply | 2 months | $200shared with non-pbs medicines | Vaccination: $40.00 |
Not covered: hearing aids, blood glucose monitors, audiology, antenatal and postnatal, home nursing.
Other services: Core Extras also includes cover for: Counselling (waiting period 2 months, $53 initial or subsequent visit up to combined limit - see Psychology); Nutrition (waiting period 2 months, $54 initial visit and $32 subsequent visit up to combined limit - see Psychology); Hypnotherapy (waiting period 2 months, $68 initial or subsequent visit up to combined limit - see Psychology); Myotherapy (waiting period 2 months, $34 initial or subsequent visit up to combined limit - see Psychology); **Note: Natural Therapies (Acupuncture, Hypnotherapy, Myotherapy, Remedial Massage and Traditional Chinese Medicine) has a $200 sub-limit.
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.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.