You can claim electronically – on the spot

If you have Essentials cover or Twin Pack cover, you can claim ancillary benefits on the spot, seven days a week - simply swipe your member card at the point of service.

A range of health providers* now offer e-claiming including dentists, opticians, physiotherapists, chiropractors, podiatrists (excluding surgery), dieticians, osteopaths, remedial massage therapists, exercise physiologists, naturopaths and occupational therapists.

*Your provider will need to be registered for electronic claiming, so you may wish to contact them to confirm.

How your benefit is paid

If you claim electronically, your benefits will automatically be deducted from the provider fee so you’ll only need to pay the difference between the provider’s fee and the HBF benefit.

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You can claim online

Just log in to myHBF and click on ‘Submit a Health Claim’, then follow the prompts and upload your original accounts or receipts.

How your benefit is paid

Once your claims are processed, your benefits will be credited to your nominated bank account. If we don’t have your correct bank details for direct credit, we’ll issue a cheque.

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You can claim at a branch

To lodge your claim and receive your benefits on the same day, simply drop into your local branch and our member service representatives will process the claim for you.

How your benefit is paid

Once your claim is processed, your benefits will be paid to you in cash, or by cheque in some circumstances.

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Claim by mail

If you would like to claim by mail, simply download and complete a claim form.

To make sure we can process your claim quickly, please ensure:

• You have completed all the questions; and 
• Your membership is paid up until at least the day of your treatment.

Please ensure you also attach:

• The original account(s) you received from your health care provider; and 
• The original receipt(s) if you paid your provider.

Then, post your claim to: HBF, GPO Box 1440, Perth WA  6809.

NB: If you have claimed from Medicare for in-hospital medical services please also include the Medicare Statement.

How your benefit is paid

Once claims are received and processed, your benefits can be paid in two ways:

• By direct credit to your financial institution (two working days); or 
• By cheque (seven working days).

+To register for direct credit, please call us or email memberservices@hbf.com.au

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Hospital

Once you’re an HBF Hospital or Twin Pack member, there are waiting periods that apply before you can receive benefits. These waiting periods also apply when transferring to a product that may have higher benefits or different benefits, or when moving from a level of cover with an excess to a level of cover without an excess.

Why are Waiting Periods a standard arrangement in private health insurance?

Imagine you’ve been paying your health insurance premiums for years, then a new member comes along, pays just enough premiums to cover their treatment period, claims and then leaves. You and other long-term members will have, in effect, paid for their treatment. While they have contributed almost nothing to any treatment you may need in the future. It simply wouldn’t be fair

Waiting Periods

^Does not apply for psychiatric, rehabilitation and palliative care.

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Essentials

You can find out the waiting periods for Essentials cover here.   

**Urgent ambulance transport covers circumstances classified by St John Ambulance as requiring urgent attention.

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For Additional cover

Waiting Periods for Additional Covers

^Does not apply for psychiatric, rehabilitation and palliative care.

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How much will I get back?

We pay out for thousands of procedures across Hospital and Essentials cover, so that is a lot of different benefits. Unfortunately there are too many for us to list on the website.

To find out how much you get back, just follow these steps:

1. Speak to your health provider and find out about the treatment, we need to know the item number and description of what you are having done, by who and where.
2. Call or email us with this information and we’ll be able to tell you how much you get back.

A quick note about out-of-pocket costs

Other out-of-pocket costs include sundry items not included in your cover, such as extra meals for guests, TV hire and newspapers. You can cover these with GapSaver, find out how here.

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