Are you under 35?

We’ve got over 140,000 members aged 25‑34. Find out why people like you have health cover, what your options are and what you might need cover for.

Find the right private health insurance for you

Choose a life stage and we’ll show you our most popular hospital & extras cover combinations for people like you.

Basic Hospital Plus & Basic Extras

Hospital cover for a few common services, combined with Extras cover for 7 services including General Dental, Optical, Physio and more.

Bronze Hospital Plus & Saver Flexi Extras

Hospital cover for a range of services, combined with flexible Extras cover for General Dental and Urgent Ambulance plus 2 more services of your choice.
Showing 2 combinations only. You can mix & match your own health cover here.
Members first

We put our members first

Members are at the heart of everything we do. When we make decisions, we will always put our members’ needs first.

Not for profit

Not run by shareholders

We’re a not-for-profit health fund. With no shareholders to pay, we can focus on giving more back to our members.

Stay connected

Claim online and check your limits and usage through myHBF and the HBF Health app.


We’re here to help you get more value from your cover

Understand how your cover works and how to get the most out of it with tips and tools, plus exclusive member offers

HBF delivers lowest premium increase of nation's majors
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Health Insurance you can trust

Get well managed
with myHBF

Make a health claim, update your personal or payment details, view your extras limits and usage and more in myHBF.

It's never been easier to manage your policies in the one place.