How $106.93 is worked out
- Premium as filed - $140.92 a month
- Government rebate - 24.1% of the premium (never of the loading): -$33.99
- A month - $106.93
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): 50% back; Scale and clean (item 114): 50% back; Fluoride treatment (item 121): 50% back; Tooth extraction (item 322): 50% back | $800 per person a year (shared with other services) |
| Major dental | 12 months | Crown (item 615): 50% back | $800 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 50% back | $800 per person a year (shared with other services) |
| Glasses and contact lenses | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: 100% back | $800 per person a year (shared with other services) |
| Physiotherapy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $800 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: 50% back; Follow-up visit: 50% back | $800 per person a year (shared with other services) |
| Psychology | 2 months | First visit: 50% back; Follow-up visit: 50% back | $800 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: 50% back; Follow-up visit: 50% back | $800 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: 50% back; Follow-up visit: 50% back | $800 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: 50% back; Follow-up visit: 50% back | $800 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: 50% back; Follow-up visit: 50% back | $800 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 50% back; Follow-up visit: 50% back | $800 per person a year (shared with other services) |
| Health management programs | 2 months | Benefit: 100% back | $800 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $800 per person a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: 100% back | $800 per person a year (shared with other services) |
Not covered: Braces, Podiatry, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Speech therapy.
* 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: Flex 50 also includes cover for: Hypnotherapy (waiting period 2 months, 50% initial or subsequent visit up to combined limit - see General Dental); Myotherapy (waiting period 2 months, 50% initial or subsequent visit up to combined limit - see General Dental). **Note: Natural Therapies (Acupuncture, Hypnotherapy, Myotherapy, Remedial Massage and Traditional Chinese Medicine) has a $200 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 I27/VBVFQ2Y, 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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