How $5.11 is worked out
- Premium as filed - $6.74 a month
- Government rebate - 24.1% of the premium (never of the loading): -$1.63
- A month - $5.11
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|
Not covered: General dental, Major dental, Root canal, Braces, Glasses and contact lenses, Prescriptions not on the PBS, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 7 days.
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 I34/NBVZQ1D, 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.
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