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.
Use our recommendation tool

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.

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.

Use our recommendation tool

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

Tax time and health insurance explained
Learn more
How extras cover can help support your mental wellbeing
Find out more
4 signs you should update your cover
Learn more
Understand and compare dental cover for your needs
Find out more

Avoid the confusion and get well informed with HBF

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

Visit the HBF Blog

  Changes to general insurance

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

Learn more

  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

Member quick actions

Get in touch with HBF

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

App Store Google Play