Top 70
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 24 services for $169.59 a month. Of the 214 other policies, 204 cost less and 23 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 | $169.59 | $339.19 | $356.14 | $288.31 | $457.90 | $322.20 |
| VIC | $151.95 | $303.91 | $319.07 | $258.28 | $410.28 | $288.70 |
| QLD | $149.39 | $298.78 | $313.68 | $253.94 | $403.33 | $283.83 |
| SA | $137.18 | $274.36 | $288.05 | $233.17 | $370.34 | $260.63 |
| WA | $138.79 | $277.57 | $291.44 | $235.90 | $374.73 | $263.67 |
| TAS | $126.10 | $252.20 | $264.80 | $214.35 | $340.45 | $239.55 |
| NT | $102.20 | $204.40 | $214.61 | $173.72 | $275.92 | $194.15 |
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$1,000typical policy $1,000
- Optical$275typical policy $220
- Physiotherapyshared with exercise physiology$600typical policy $450
- Chiropracticshared with osteopathy$400typical policy $400
- Psychology$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)70% of the feetypical policy $35.20
- Scale and clean (item 114)70% of the feetypical policy $66.85
- Full crown, veneered (item 615)70% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit70% of the feetypical policy $42.00
- Psychology, first visit70% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | No annual limit | Periodic oral exam (item 012): 70%Scale and clean (item 114): 70%Fluoride treatment (item 121): 70%Simple extraction (item 322): 70% |
| Major dental | 12 months | $1,000shared with endodontic (root canals) | Full crown, veneered (item 615): 70% |
| Endodontic (root canals) | 12 months | $1,000shared with major dental | Root canal filling (item 417): 70% |
| Orthodontics | 12 months | $800, $2,400 lifetime | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 2 months | $275 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicinesconditions apply | 2 months | $400shared with vaccinations | Non-PBS prescription: 70% |
| Physiotherapy | 2 months | $600shared with exercise physiology | Physiotherapy, first visit: 70%Physiotherapy, later visit: 70% |
| Chiropractic | 2 months | $400shared with osteopathy | Chiropractic, first visit: 70%Chiropractic, later visit: 70% |
| Podiatry | 2 months | $400shared with orthotics | Podiatry, first visit: 70%Podiatry, later visit: 70% |
| Psychology | 2 months | $500 | Psychology, first visit: 70%Psychology, later visit: 70% |
| Acupuncture | 2 months | $300shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: 70%Acupuncture, later visit: 70% |
| Remedial massage | 2 months | $300shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: 70%Remedial massage, later visit: 70% |
| Hearing aids | 12 months | $700 per person every 3 calendar years | Hearing aid: 100% |
| Blood glucose monitors | 2 months | $500, 1 every year | Blood glucose monitor: 70% |
| Chinese herbal medicine | 2 months | $300shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: 70%Chinese herbal medicine, later visit: 70% |
| Dietetics | 2 months | $400 | Dietetics, first visit: 70%Dietetics, later visit: 70% |
| Exercise physiology | 2 months | $600shared with physiotherapy | Exercise physiology, first visit: 70%Exercise physiology, later visit: 70% |
| Orthoptics | 2 months | $400 | Orthoptics, first visit: 70%Orthoptics, later visit: 70% |
| Health management programs | 2 months | $350 | Health management program: 100% |
| Occupational therapy | 2 months | $400 | Occupational therapy, first visit: 70%Occupational therapy, later visit: 70% |
| Orthotics | 12 months | $400shared with podiatry | Orthotics: 70% |
| Osteopathy | 2 months | $400shared with chiropractic | Osteopathy, first visit: 70%Osteopathy, later visit: 70% |
| Speech therapy | 2 months | $400 | Speech therapy, first visit: 70%Speech therapy, later visit: 70% |
| Vaccinationsconditions apply | 2 months | $400shared with non-pbs medicines | Vaccination: 100% |
Not covered: audiology, antenatal and postnatal, home nursing.
Other services: Top 70 also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Psychology); HYPNOTHERAPY (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Acupuncture); MYOTHERAPY (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Acupuncture); APPLIANCES, PROSTHESES AND AIDS (waiting period 2-12 months, 70% up to combined limit - see Blood glucose monitors); NUTRITION (waiting period 2 months, 70% initial or subsequent visit up to combined limit - see Dietetics/dietary advice). **Note: Orthotics (podiatric orthoses) has a $250 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.