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Get 8 weeks FREE on us!
New members who join by 23 April 2024 and keep eligible hospital and extras cover receive 8 weeks FREE cover. Terms & conditions apply.

Health insurance to suit your needs

Tell us a little about yourself and your health needs, and in two to three minutes we'll find our best cover to suit your needs.
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Find the right 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

Low cost hospital cover for the basics, combined with extras cover for 7 services including General Dental, Optical, Physio and more.

Each person covered gets their own annual limits for extras.

Basic Hospital Plus Elevate & Flex 50

Affordable hospital cover for a selection of commonly used treatments, combined with flexible extras cover that gives 50% or more back on 14 popular services.

Each person covered gets their own annual limits for extras.


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You can match your own health cover here.

Cover to suit your needs

Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.

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Why choose HBF private health insurance

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.

Get more value from your health insurance

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

Get 8 weeks FREE on us!
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Australia's Best Health Fund 2 years running as awarded by Finder^
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Join us on Sunday 19 May plus HBF members save 20% on the entry fee
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HBF Physio is now open and ready to meet your physiotherapy needs with care
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Your guide to wellbeing and health insurance

Get the most from your health insurance and read expert-reviewed lifestyle advice

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How-to guides

Check out our simple how-to guides to assist you in managing your HBF cover online, anytime.

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