HBF Gap Cover

All HBF Hospital policies, except Basic Hospital cover, include HBF's Medical Gap cover. This 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.

HBF's Medical Gap cover applies for treatment provided when you are admitted to a hospital or day hospital. However, limitations and exclusions do apply for some plastic and reconstructive surgery items, and for treatment that is specifically excluded from your level of cover.

It is important to note that we are unable to pay benefits for medical fees charged for services provided out of hospital, such as consultations in a Medical Practitioner's rooms.

To find out more about HBF's Medical Gap refer to Explaining the Medical Gap.

Find out more:

• HBF Fully Covered Medical Practitioners
• HBF GapSaver