Simple 50
An extras policy from see-u by HBF.
- Only sold with particular other policies.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement see-u by 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
- Not covered
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
see-u by HBF's page for this policyAgainst every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 12 services for $38.58 a month. Of the 396 other policies, 50 cost less and 289 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.
Pays towards 12 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$500typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$500typical policy $1,000
- Optical$160typical policy $220
- Physiotherapyshared with exercise physiology$200typical policy $450
- Chiropracticshared with osteopathy$200typical policy $400
- Psychology$150typical 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 | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | $500shared with major dental, endodontic (root canals) | $1,000 | Periodic oral exam (item 012): 50%Scale and clean (item 114): 50%Fluoride treatment (item 121): 50% |
| Major dental | 12 months | $500shared with general dental, endodontic (root canals) | $1,000 | Surgical extraction (item 322): 50%Full crown, veneered (item 615): 50% |
| Endodontic (root canals) | 12 months | $500shared with general dental, major dental | $1,000 | Root canal filling (item 417): 50% |
| Optical | 6 months | $160 | $320 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Physiotherapy | 2 months | $200shared with exercise physiology | $400 | Physiotherapy, first visit: 50%Physiotherapy, later visit: 50% |
| Chiropractic | 2 months | $200shared with osteopathy | $400 | Chiropractic, first visit: 50%Chiropractic, later visit: 50% |
| Psychology | 2 months | $150 | $300 | Psychology, first visit: 50%Psychology, later visit: 50% |
| Acupuncture | 2 months | $100shared with remedial massage, chinese herbal medicine | $200 | Acupuncture, first visit: 50%Acupuncture, later visit: 50% |
| Remedial massage | 2 months | $100shared with acupuncture, chinese herbal medicine | $200 | Remedial massage, first visit: 50%Remedial massage, later visit: 50% |
| Chinese herbal medicine | 2 months | $100shared with acupuncture, remedial massage | $200 | Chinese herbal medicine, first visit: 50%Chinese herbal medicine, later visit: 50% |
| Exercise physiology | 2 months | $200shared with physiotherapy | $400 | Exercise physiology, first visit: 50%Exercise physiology, later visit: 50% |
| Osteopathy | 2 months | $200shared with chiropractic | $400 | Osteopathy, first visit: 50%Osteopathy, later visit: 50% |
Not covered: orthodontics, non-pbs medicines, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, dietetics, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: Simple 50 also includes cover for: Western Herbal Medicine, Naturopathy, Yoga, Pilates, Tai Chi, Shiatsu, and Alexander Technique (waiting period 2 months for all services, 50% benefit up to combined limit for all services - see Acupuncture). This product also includes coverage for Counselling consultations under the Psychology limit.
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.