Smart Saver Twin Pack
You're a young couple or family and want to keep your premiums low by only paying for the services you feel you may be more likely to need (including maternity). You also need Essentials cover for things like general and major dental, physiotherapy, chiropractic, podiatry, optical and pharmacy and ambulance.
Hospital Cover
Includes:
- Fully covered for a shared room in an HBF Participating Hospital.
- Hospital excess of $100 per person, per calendar year (to a maximum of $200 per family membership). You won't be required to pay an excess for any dependant children on your family policy.
- 100% cover for maternity patients for a private room in an HBF Participating Hospital for the first three days of your stay. You may be required to contribute towards the cost of the next six days. Members who are hospitalised for reasons associated with the pregnancy other than the delivery of the baby are fully covered for shared room accommodation fees but might be required to contribute towards the cost of a private room.
- HBF's Medical Gap cover could either eliminate or substantially reduce your medical out of pocket expenses for in-hospital treatment provided by a wide range of Medical Practitioners in Western Australia. Find out the full details on HBF's Medical Gap Cover.
- Limited hospital benefits for joint replacement, heart procedures, cataracts, psychiatric care, assisted reproductive services (including IVF) and cosmetic surgery.
Essentials Cover
Includes:
For further cover details, see the Twin Pack Policy Details brochure (a reference guide to HBF Twin Pack cover terms and conditions).
Other important information:
