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Join eligible hospital and extras cover by 5 July 2024 and keep it to get $300 on a couple/family policy or $150 on a single/single parent policy.

Terms & conditions apply.

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.

  Pharmacy changes

HBF is making changes to benefits for certain non-PBS pharmaceuticals under extras covers. These changes will take effect on 9 July 2024, for more information on these changes and how this may impact you, see our FAQs here.

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

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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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