Corporate health cover with HBF

If you switch to HBF within 2 months of leaving another Australian health fund, you won’t have to re-serve any waiting periods already served. For waiting periods that have been partly served, you’ll only have to serve the remainder of the waiting period before being eligible to claim benefits.

Waiting periods will apply for any new services you were not covered for previously, for any higher benefits and/or higher annual limits, and if you decrease your hospital cover excess level.

Any claims you have made with your previous fund this calendar year will result in an adjustment of the annual limit you can claim with us for the rest of the year. For example, if you have claimed $300 on Occupational Therapy with your current fund and you join HBF on Top 70, which has an annual limit of $400, you will only be able to claim $100 with us this calendar year. Remember, annual limits reset on 1 January each year.

If your new HBF cover has a service with a lifetime limit, we will take into account all claims you have made for that service previously.