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.

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.

Bronze Hospital Plus & Flex 50

Budget-friendly hospital cover for a range of treatments, combined with flexible extras cover that gives 50% or more back on 12 popular services.

Gold Hospital & Flex 50

Top hospital cover including Pregnancy and birth, combined with flexible extras cover that gives 50% or more back across 12 popular services.

Bronze Hospital Plus & Flex 60

Budget-friendly hospital cover for a range of treatments, combined with flexible extras that gives 60% or more back across 12 popular services.

Gold Hospital & Complete 60

Top hospital cover including Pregnancy and birth, combined with complete extras cover that gives 60% or more back across all services, including Orthodontics.

Bronze Hospital Plus & Flex 50

Budget-friendly hospital cover for a range of treatments, combined with flexible extras cover that gives 50% or more back on 12 popular services.

Silver Hospital & Flex 60

Great value hospital cover for many treatments, combined with flexible extras cover that gives 60% or more back across 12 popular services.

Standard Overseas Visitors cover & Basic Extras

Basic Hospital and Medical cover suitable for visitors to Australia, combined with Extras cover for 7 essential services including General Dental.

Working Visa Hospital and Medical cover & Flex 50

Hospital and Medical cover suitable for 457 and most other working visas, combined with flexible Extras cover that gives 50% or more back across 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.

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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 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

How often should you go to the dentist?

Have you aged-out of your family's health cover?

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Public or private? Knowing your options

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Signs you should update your health cover

Avoid the confusion and get well informed with HBF

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

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Changes to general insurance

Please note that HBF no longer offers general insurance products, as of 1 July 2021.

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HBF Quokka - Most trusted health insurer

We’re the most trusted

With over 80 years’ experience, it’s no wonder we are Australia’s most trusted private health insurer.**

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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.

Health insurance to suit your needs

Find the right health insurance for you