Gapsaver
From $1.35^ per week
GapSaver is a great way to build up benefits to help cover out-of-pocket expenses if you need to go to hospital or on Essentials services like dental, physio and optical. GapSaver can be added to any HBF Hospital, Essentials or Twin Pack product. Add GapSaver to my health policy.
What are ‘gaps’ and how can GapSaver help you reduce them?
If you’re looking for:
- A way to pay less of your out-of-pocket costs for Hospital and Essentials claims
- Extra cover so you don’t need to worry about unexpected out-of pockets, so you can focus on getting better
Good for:
- Anyone with a Hospital or Essentials product who wants to minimise out-of-pocket costs.
The best part is that you can accrue more GapSaver dollars than you’ll pay in premiums. So you can keep more money in your pocket.
Your GapSaver dollars can be applied to any service you receive a benefit for, and can be used whenever you want for as long as you keep your HBF health cover. You can use your GapSaver balance just about any time you use your health cover and have an out-of-pocket cost.
Use GapSaver on things like:
- Essentials services like dental, optical and physio both in and out of hospital
- Wellness services like yoga programs and remedial massage
- Medical gap
- Hospital excesses and accommodation co-payments
- Non-PBS and PBS in-patient pharmaceuticals
- Surgical stockings and slings, television, phone, and other sundry hospital charges
- Podiatry and dental surgery
It can’t be used for:
- Benefits towards procedures and services not covered on your health policy
- Charges for procedures with no MBS item number
- Any out-of-pocket costs incurred after your maximum entitlements have been reached
- Services for which you haven’t completed the waiting period
How much can you accrue?
GapSaver benefits are accrued to your membership quarterly, with the balance accumulating year after year until you use it. Your balance continues rolling over if you don’t use it, and you can use any GapSaver benefits you’ve accrued for as long as you have HBF health cover (they don’t expire each year).
There are two levels of GapSaver cover you can choose from:
| Single policy (yearly accrual) | Family policy (yearly accrual) |
|---|---|
| $100 | $200 |
| $200 | $400 |
How to Claim?
1. You can opt-in to receive GapSaver benefits automatically for Hospital and Essentials claims. This means your GapSaver benefits will be automatically paid towards any eligible out-of-pocket costs.
2. You can choose to claim GapSaver through your normal method of claiming.
^ Single GapSaver $100 costs $69.15 per year based on non-discounted WA rates, which is equivalent to $1.35 a week, after deducting the Federal Government 30% Rebate on private health insurance and without Lifetime Health Cover loading.
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