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Health Insurance Cover Options

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Hospital & Essentials

HBF Hospital and Essentials cover 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.
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Hospital

HBF Hospital cover pays benefits for things like accommodation in a private hospital, theatre and specialist fees, as well as allowing you to choose your own doctor and avoid long waiting lists.
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Essentials

HBF Essentials cover pays benefits on up to 22 day-to-day services including dental, optical, physio, chiro, podiatry and occupational therapy.
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Ultimate

Ultimate cover is the most comprehensive combined Hospital and Essentials product available in Australia. It fully covers most hospital visits and you’ll get between 90-100% back on 36 Essentials Services like dental, optical and remedial massage.
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Ambulance

HBF offers two types of ambulance cover. Urgent Ambulance is a low cost option if you don’t want Hospital or Essentials cover but you’d like insurance for an unexpected ambulance trip, while Ambulance Plus covers pre-booked or non-urgent ambulance transport.
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Overseas

As an international visitor, you may not be eligible for cover with Medicare, Australia's public health care system. We have health cover for overseas visitors on working and non-working visas that covers most hospital treatment, doctors' visits and urgent ambulance.
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Additional Health Insurance Covers

Gap Saver

GapSaver is a way to put aside a little money now so you can minimise unexpected Hospital and Essentials gaps.

^from $1.35^ _pw

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Wellness

Wellness provides benefits for a wide range of lifestyle services, like remedial massage, travel vaccinations and yoga and Pilates programs.

^from $3.95* _pw

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Ambulance Plus

Ambulance Plus covers pre-booked or non-urgent ambulance transport.
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*A single Wellness policy costs $204.95pa based on WA rates, which is equivalent to $3.95 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance.

^A single GapSaver $100/$200 policy costs $69.15 based on WA rates, which is equivalent to $1.35 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance.

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