Why do I need private health insurance?

Avoid public hospital queues

As a public patient, you can't choose your doctor, your room type (shared or single), or when you get treated. Medicare will cover you for treatment in a public hospital, but if your condition is not life threatening, or you require elective surgery (eg. hip replacement), you may have to wait for a long time before receiving your treatment. Unfortunately, this may mean waiting when you're in pain or discomfort. With HBF Hospital cover, you have access to treatment in a private hospital as soon as you need it, after waiting periods have been served.

Peace-of-mind and choice

Private health insurance provides peace-of-mind and puts the choice in your hands – so you can pick the doctor, the private hospital and the type of room you want.

Essentials care not covered by Medicare

Having essentials cover also means that you can be covered for everyday health needs for you and your family that are not generally covered by Medicare. Dental, physiotherapy, optical, chiropractic, ambulance and podiatry, despite being ancillary needs, can be quite costly as they are more frequently used.

Avoid being taxed unnecessarily

The Federal Government charges between an additional 1% - 1.5% Medicare Levy Surcharge if your taxable income is above certain thresholds and you don't have private hospital cover. At HBF, we have hospital cover for less than the Federal Government's surcharge, which means you could actually save money by having private cover.