How $32.84 is worked out
- Premium as filed - $43.28 a month
- Government rebate - 24.1% of the premium (never of the loading): -$10.44
- A month - $32.84
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): $24.00; Scale and clean (item 114): $49.00; Fluoride treatment (item 121): $13.00; Tooth extraction (item 322): $112.00 | $350 per person a year, $700 per policy a year |
| Glasses and contact lenses | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $120 per person a year, $240 per policy a year |
| Physiotherapy | 2 months | First visit: $39.00; Follow-up visit: $33.00 | $200 per person a year, $400 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $35.00; Follow-up visit: $23.00 | $200 per person a year, $400 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: $29.00; Follow-up visit: $29.00 | $100 per person a year, $200 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $29.00; Follow-up visit: $29.00 | $100 per person a year, $200 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $15.00; Follow-up visit: $15.00 | $100 per person a year, $200 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: 50% back | $100 per person a year, $200 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $46.00; Follow-up visit: $33.00 | $200 per person a year, $400 per policy a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Prescriptions not on the PBS, Podiatry, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Dietitian, Exercise physiology, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
Other services, as filed: Smart Start Extras also includes cover for: Hypnotherapy (waiting period 2 months, $59 initial or subsequent visit up to combined limit - see Acupuncture); Myotherapy (waiting period 2 months, $29 initial or subsequent visit up to combined limit - see Acupuncture)
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 I33/VBTWO20, 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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