Flex 50
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, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against 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 16 services for $51.32 a month. Of the 214 other policies, 52 cost less and 101 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 | $51.32 | $102.63 | $107.76 | $87.21 | $138.57 | $97.46 |
| VIC | $52.19 | $104.37 | $109.59 | $88.69 | $140.92 | $99.11 |
| QLD | $50.36 | $100.72 | $105.72 | $85.60 | $135.96 | $95.64 |
| SA | $50.80 | $101.59 | $106.63 | $86.34 | $137.14 | $96.46 |
| WA | $48.15 | $96.29 | $101.07 | $81.82 | $129.97 | $91.42 |
| TAS | $41.63 | $83.25 | $87.38 | $70.74 | $112.37 | $79.08 |
| NT | $32.50 | $65.00 | $68.22 | $55.23 | $87.73 | $61.75 |
Pays towards 16 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with 14 other services$800typical policy $800
- Major dentalshared with 14 other services$800typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with 14 other services$800typical policy $450
- Chiropracticshared with 14 other services$800typical policy $400
- Psychologyshared with 14 other services$800typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)50% of the feetypical policy $35.20
- Scale and clean (item 114)50% of the feetypical policy $66.85
- Full crown, veneered (item 615)50% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit50% of the feetypical policy $42.00
- Psychology, first visit50% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $800shared with 14 other services | Periodic oral exam (item 012): 50%Scale and clean (item 114): 50%Fluoride treatment (item 121): 50%Simple extraction (item 322): 50% |
| Major dental | 12 months | $800shared with 14 other services | Full crown, veneered (item 615): 50% |
| Endodontic (root canals) | 12 months | $800shared with 14 other services | Root canal filling (item 417): 50% |
| Optical | 2 months | $200 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicinesconditions apply | 2 months | $800shared with 14 other services | Non-PBS prescription: 100% |
| Physiotherapy | 2 months | $800shared with 14 other services | Physiotherapy, first visit: 50%Physiotherapy, later visit: 50% |
| Chiropractic | 2 months | $800shared with 14 other services | Chiropractic, first visit: 50%Chiropractic, later visit: 50% |
| Psychology | 2 months | $800shared with 14 other services | Psychology, first visit: 50%Psychology, later visit: 50% |
| Acupuncture | 2 months | $800shared with 14 other services | Acupuncture, first visit: 50%Acupuncture, later visit: 50% |
| Remedial massage | 2 months | $800shared with 14 other services | Remedial massage, first visit: 50%Remedial massage, later visit: 50% |
| Chinese herbal medicine | 2 months | $800shared with 14 other services | Chinese herbal medicine, first visit: 50%Chinese herbal medicine, later visit: 50% |
| Dietetics | 2 months | $800shared with 14 other services | Dietetics, first visit: 50%Dietetics, later visit: 50% |
| Exercise physiology | 2 months | $800shared with 14 other services | Exercise physiology, first visit: 50%Exercise physiology, later visit: 50% |
| Health management programs | 2 months | $800shared with 14 other services | Health management program: 100% |
| Osteopathy | 2 months | $800shared with 14 other services | Osteopathy, first visit: 50%Osteopathy, later visit: 50% |
| Vaccinationsconditions apply | 2 months | $800shared with 14 other services | Vaccination: 100% |
Not covered: orthodontics, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, orthoptics, home nursing, occupational therapy, orthotics, speech therapy.
Other services: Flex 50 also includes cover for: Hypnotherapy (waiting period 2 months, 50% initial or subsequent visit up to combined limit - see General Dental); Myotherapy (waiting period 2 months, 50% 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 $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.