How $131.82 is worked out
- Premium as filed - $173.72 a month
- Government rebate - 24.1% of the premium (never of the loading): -$41.90
- A month - $131.82
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): 70% back; Scale and clean (item 114): 70% back; Fluoride treatment (item 121): 70% back; Tooth extraction (item 322): 70% back | no yearly limit |
| Major dental | 12 months | Crown (item 615): 70% back | $1,000 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 70% back | $1,000 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $800 per person a year, $2,400 lifetime |
| Glasses and contact lenses | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $275 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: 70% back | $400 per person a year (shared with other services) |
| Physiotherapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $600 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year (shared with other services) |
| Psychology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $500 per person a year |
| Acupuncture | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per person a year (shared with other services) |
| Hearing aids | 12 months | Hearing aid: 100% back | $700 per person every 3 calendar years |
| Blood glucose monitors | 2 months | Blood: 70% back | $500 per person a year, 1 service every year |
| Chinese herbal medicine | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year |
| Exercise physiology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $600 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year |
| Health management programs | 2 months | Benefit: 100% back | $350 per person a year |
| Occupational therapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year |
| Orthotics | 12 months | Benefit: 70% back | $400 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year |
| Vaccinations * | 2 months | Vaccination: 100% back | $400 per person a year (shared with other services) |
Not covered: Audiology, Antenatal and postnatal, Home nursing.
* 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.
Other services, as filed: 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.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 7 days. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I30/DBPUC1D, filed by HBF Health Limited, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.