Flexi Extras. Your guide to. Questions? Need Advice? Our consultants are available to help.

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1 Your guide to Flexi Extras Questions? Need Advice? Our consultants are available to help. Comparethemarket.com.au ACN Level, 80 Jephson Street, Toowong Qld 4066 PO Box 301, Toowong Qld 4066 Australia

2 Flexi Extras - HBF ( residents in NSW, VIC, QLD, SA, TAS, NT and ACT.) Tailor your cover to suit you with Australia s most flexible extras cover. Tailor your cover to suit your lifestyle by choosing 10 services from a list of 19. Plus, you can swap services when your needs change. This cover offers you great value as you only pay for what you re likely to use. This is an overview of Flexi Extras. Additional information you should know relating to this cover can be found in the Important Information guide available at hbf.com.au/importantinfo or via Appliances Hearing aid Other appliance e.g. blood pressure monitor Chiropractic % Increasing $100 maximum of $1000 Combined annual maximum 1 65% $800 under 1yr Increasing $150 maximum of $1400 Combined annual maximum 1 $38 0 under 1yr $46 $450 under 1yr $5 Dental - General / Up to $6 Up to $74 Up to $86 examinations Extractions Up to $190 Up to $10 Up to $50 Fillings - direct From $67 From $80 From $93 75% $1000 under 1yr Increasing $00 per yr up to a maximum of $1800 Combined annual maximum $54 $550 under 1yr Dental - Major, Implants and Orthodontics Benefit for banding is for the full course of and includes all associated (such as removable appliances and/or adjustments) following the fitting of the appliance. Crowns Up to $750 Up to $900 Up to $1051 Bridges Up to $500 Up to $650 Up to $800 Full dentures Up to $905 Up to $1086 Up to $167 Implants Up to $957 Up to $1149 Up to $1341 Orthodontics (partial arch banding upper or lower banding) Orthodontics (full arch banding upper and lower banding) 1 Up to $700 Up to $ years $ years $ years $1300 Over 4 years $1400 Up to $850 Up to $ years $ years $ years $1600 Over 4 years $ Maximum shown is payable for a 3 yr period for hearing aids. Maximum shown is payable for a yr period for hearing aids. Up to $1000 Up to $ years $ years $ years $1900 Over 4 years $

3 Flexi Extras - HBF ( residents in NSW, VIC, QLD, SA, TAS, NT and ACT.) Exercise physiology $3 $38 $45 Eye therapy $4 $49 Healthy living 3 Health education, quit smoking, weight, travel vaccination, pilates & yoga 4 55% $00 under 1yr maximum of 0 $150 sub-limit for & weight 65% $50 under 1yr maximum of 0 $00 sub-limit for & weight 75% maximum of $400 $50 sub-limit for & weight Natural therapies 5 Includes consultations for naturopathy, homeopathy, acupuncture, traditional Chinese medicine, herbalism consult, Bowen therapy, Alexander technique, kinesiology, hypnotherapy, Feldenkrais, shiatsu, aromatherapy and reflexology from HBF approved providers. Nutritionist (includes consultations with dietitians) $36 3 For HBF approved only. 4 A program is a minimum of eight sessions within a three month period. 5 Multiple services provided during a consult will be paid a single benefit. HBF does not pay a benefit for medications/herbs. $50 under 1yr maximum of 0 $55 $44 maximum of $400 $66 $37 $44 $51 $51 $78 Occupational therapy $44 $53 $6 $36 $44 $51 Group consultation $7 $33 $38 Optical Includes glasses and contact lenses 100% up to $00 per yr 100% up to $50 per yr 100% up to $75 per yr Osteopathy $38 0 under 1yr $46 $450 under 1yr $54 $550 under 1yr $

4 Flexi Extras - HBF ( residents in NSW, VIC, QLD, SA, TAS, NT and ACT.) Pharmacy For pharmaceuticals listed HBF Pharmacy Schedule Physiotherapy $41 0 under 1yr $49 $450 under 1yr $3 $39 $45 Podiatry $43 $50 $9 $41 Foot orthoses including casting 6 1 per person per calendar year 1 Diagnostic testing and biomechanical evaluation 6 Psychology (includes clinical psychology and psychology) Individual assessment - $104 clinical psychologist 50% 60% 70% $15 $450 under 1yr $8 $99 $115 Remedial massage $36 0 under 1yr maximum of $800 $57 $550 under 1yr $146 $4 maximum of $800 Speech therapy $74 $89 $103 $43 $5 $61 Group consultation $1 $6 Urgent 7 Urgent (road ) 7 days 6 Foot orthoses must be medically necessary and custom-made from one of the following providers approved by HBF: podiatrist, orthotist, pedorthist or surgical bootmaker. For some foot orthoses, HBF will only pay a benefit when provided by an approved podiatrist or orthotist. 7 HBF will cover the cost for by road only for circumstances classified by the state provider as requiring attention. HBF will not pay a benefit for air services. Benefits only payable for services and provided by providers that are approved by HBF. Since not all providers are HBF approved, be sure to ask us first. There is a limit of 1 initial consultation per service, per calendar year. The information in this brochure is correct at 15 February 017. Before receiving any, you should contact us or go to hbf.com.au/myhbf for a health benefit quote so you know how much you re covered for, the benefits you ll receive and any out-of-pocket expenses

5 We are here to help! Thanks for comparing health insurance with comparethemarket.com.au. If you have any questions or need more information, chat with one of our health insurance specialists by calling