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. Download the policy details brochure.
| Hospital benefit checklist |
Waiting Period
?
Waiting periods will apply to your health insurance cover if:
- You're a new HBF member - You're 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. |
Healthy Saver Hospital |
|---|---|---|
| Appendicitis treatment | 2 months (12 months for pre-existing ailments) | Y |
| Assisted reproductive services (including IVF) | 2 months (12 months for pre-existing ailments) | Y |
| Cataract and eye lens procedures | 2 months (12 months for pre-existing ailments) | N |
| Fully covered for a shared room in an HBF Participating Hospital | n/a | Y |
| HBF Medical Gap cover | n/a | Y |
| Heart procedures | 2 months (12 months for pre-existing ailments) | N |
| Hospital excess | n/a | N |
| Joint replacement surgery | 2 months (12 months for pre-existing ailments) | N |
| Maternity and birth-related services | 12 months | Y |
| Rehabilitation | 2 months | Y ** |
| Psychiatric care | 2 months | Y*
Limited hospital benefits apply which are similar to the cost of a shared room in a public hospital.
|
| Removal of tonsils and adenoids | 2 months (12 months for pre-existing ailments) | Y |
| Shoulder reconstruction surgery and investigations | 2 months (12 months for pre-existing ailments) | Y |
| Substantial cover towards a single room in an HBF Participating Hospital | n/a | N |
| Theatre fees | n/a | Y |
| Urgent Ambulance | 7 days | Y *** |