$22.90Prices based on WA rates for a single premium paid by direct debit with no Lifetime Health Cover loading. A single Intermediate Hospital policy costs $1,189.40pa, which is equivalent to $22.90 a week after deducting the Australian Government 30% Rebate on private health insurance.
Includes 30% Rebate. Price based on your eligibility.
If you want:
- Peace of mind that you are covered for major procedures, including joint replacements, heart treatment or cataracts.
- Substantial cover in a shared room in a private hospital.
- A full range of cover for a lower premium than Top Hospital.
- Your choice of doctor and hospital.
- If you want to save even more off your premium you can add an excess.
- You’re young and healthy but want the security of a full-range of hospital services.
- You’re planning a family and want maternity cover, with a fully covered shared room for your first 3 days in hospital.
- You are after the same range of services as Top Hospital, but you are happy to share a room in a private hospital.
According to the PHIO State of the Health Funds Report 2012, HBF covers an average of 94.3% of hospital related charges in WA – that’s a higher percentage of these charges than any other major health fund.
What are you covered for:
Do you want to compare Hospital Cover?
Choose from our Hospital Health Insurance Products and compare their features side by side.
We pay out on thousands of procedures, too many to mention here. As a member if there is a specific benefit you are looking for, find out the item number from your doctor or specialist and call us and we’ll let you know how much you should get back.
You won’t be alone
We’ll fully cover the charge for a hospital boarder, to make sure you have the support you need while you are in hospital, this includes meals and accommodation in your room. Some conditions apply.
Want to keep the same level of health insurance cover but lower your premium?
Take out an excess. Regardless of how many times you may need to stay in hospital, you’ll only pay the excess if you stay in hospital overnight and you’ll only pay it once per adult member, per calendar year, to a maximum of twice per family policy. Your option is:
Please note: The excess is payable in addition to any accommodation and theatre co-payments that may apply. You won’t be required to pay an excess for any dependant children on your family policy. Waiting periods also apply when transferring to a product that may have higher benefits, or when moving from a level of cover with an excess to a level of cover without an excess. You don’t need to pay the excess for any day procedures, which are very common which is unlike many other health funds.
We don’t charge an excess for the children on your policy
You can minimise out-of-pocket costs with GapSaver. Put a little money aside now and you can use it on out-of-pocket costs for things like Medical gaps (for your specialist) and hospital excesses. If you have Essentials cover, it also covers costs for in-hospital and out-of-hospital Essentials services (like physiotherapy or occupational therapy). Simply select when you purchase Intermediate Hospital Cover.
A few points to note:
- If you’re staying in an HBF Participating Hospital, you may be required to contribute to the cost of a shared room for up to six days of a hospital stay, after which the accommodation fee is 100% covered (except for psychiatric treatment).
- You’re fully covered for most theatre and labour ward costs in HBF Participating Hospitals. A co-payment of $50 is payable in some hospitals for procedure fees such as colonoscopies and gastroscopies.
- We don’t pay benefits for hospital treatment that is not eligible for a Medicare benefit, such as cosmetic surgery.
- Waiting periods and pre-existing waiting periods also apply.
Find out more about your policy details.
Policy terms and conditions and waiting periods apply.