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HBF Twin Pack Cover
Our Twin Pack products offer a combination of great value Hospital and Essentials cover, and pays benefits on things like accommodation in a private hospital and theatre fees as well as day to day health services like dental, optical, physio and chiro. Use the table below to compare our combined product options or download the brochure.
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Twin Pack benefit checklist
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Waiting Period
Twin Pack Hospital Cover Waiting periods will apply to your health insurance cover if:
- You're a new HBF member or new to hospital cover. - You've upgraded to a higher level of cover - which includes moving from health insurance cover with an excess to cover without an excess. Please check the waiting periods and pre-existing conditions that apply before you claim benefits for hospital services and medical gap cover. |
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* Conditions apply
** Urgent Ambulance transport covers circumstances classified by St John Ambulance as requiring urgent attention.
^ Optical-Contact Lenses: For all Essentials covers a 12 month waiting period applies.
** Urgent Ambulance transport covers circumstances classified by St John Ambulance as requiring urgent attention.
^ Optical-Contact Lenses: For all Essentials covers a 12 month waiting period applies.