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Get 6 weeks free after 6 months with us!
Join by 31 March 2021 on eligible Hospital and Extras cover and get 6 weeks free after 6 months with us. Learn more

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.

Find the right hospital and extras cover 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.

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 12 popular services.

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.


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

All-new Extras
Discover new extras

Avoid the confusion and get well informed with HBF

Get well informed about how insurance works and getting value from your cover

  Joint procedure claims

HBF has become aware that some members may have inadvertently been informed that they were not eligible to claim for certain types of joint surgery other than joint replacements (for example joint reconstructions or realignments) when they may have been eligible to claim. We would like to speak with members who held a policy with a joint replacement exclusion between 1 January 2009 and 30 January 2020 and who may have been affected.

Learn more

We’re the most trusted

With nearly 80 years’ experience, it’s no wonder that of the major private health insurers in Australia, we’re the most trusted brand**

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Health Insurance you can trust

All your details
in one place

Make a health claim, update your details, view your extras limits and usage and more all from myHBF or the HBF App.

Log in to myHBF

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