Why HBF?

More money back

We have no shareholders to answer to which means we put more money back into your pockets than any other major health fund in WA. Every day this year, we will contribute almost $3 million towards our members’ healthcare costs.

Source: Comparison based on PHIO State of the Health Funds Report 2011 on total fund benefits paid as a percentage of premiums for major health funds in WA.

Wehavelessgaps

So as well as paying fewer gaps, our members are covered for 94.3% of hospital related charges in WA – more than any other major health fund. So if you need to go to hospital, you’ll feel better knowing your final bill will be as small as possible.

Source: Comparison based on PHIO State of the Health Funds Report 2011 on no gap in hospital medical services in WA for major health funds in WA.

More participating dentists, optical stores and hospitals in WA

We have agreements with 38 hospitals in WA, more than any other health fund. We also have hundreds of participating dentists and optical stores throughout the state, so there’s never one too far away.

Source: Comparison based on PHIO State of The Health Funds Report 2011 for major health funds in WA.

Dentist and optical store count based on HBF Analysis dated November 2011.

Not-for-profit. We’re for your health.

We are a not-for-profit organisation. We have no shareholders to answer to, which means we put more money back into your pockets, not theirs. We’re run for the benefit of our members. That’s why 87.5% of all premiums go back in member benefits. That’s more than any other major health fund in WA.

Comparison based on PHIO State of the Health Funds Report 2011 on total fund benefits paid as a percentage of premiums for major health funds in WA.

More fully covered medical services

With HBF, members can access more in-patient medical services with no gaps as we have 82.2% of medical services fully covered in WA.

Comparison based on PHIO State of the Health Funds Report 2011 on no gap in hospital medical services in WA for major health funds in WA.

Join us to avoid joining public hospital queues

HBF members can have direct access to treatment in a private hospital without having to join public hospital waiting lists.

WA is our home too

Unlike some eastern states funds, we have 19 branches here so you can speak to someone face-to-face when you need them most. And if you want to call us, our team are on the same time as you are. We’re proud to have served West Australians for 70 years.

WA’s most trusted health insurer

For 70 years, we have been the largest health insurer in WA – looking after over 900,000 members every day.