Australia's lowest average premium increase
We’ve worked exceptionally hard to make our 2020 premium increase the lowest of all 35 health insurers in Australia. HBF’s CEO, John Van Der Wielen shares how we achieved this result.
Cover 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.
Our website is designed to be accessible to as many users as possible, including people with a disability, people using a variety of devices and people with technical constraints, such as lower speed internet connections.
HBF is committed to providing all users with equal access to our information.
We strive to comply with
W3C's Web Content Accessibility Guidelines
which explain how to make web content more accessible for people with
disabilities. Following these guidelines will help make the web more user
friendly for everyone.
Our website makes use of industry-standard techniques and best practices to
improve website accessibility for our users. These include:
Text on our website can be resized using standard browser controls up to 200%
without losing content or functionality.
All videos embedded on our website are captioned to assist people living with
All images used to convey meaning have alternative text available. Images that
are used for purely decorative purposes do not contain any alternative text.
Our online forms are keyboard accessible and designed to support users with
limited dexterity or a visual impairment.
Whenever possible, link text is written meaningfully to make sense when read
out of context, and are underlined to make them easily noticeable.
Information conveyed with colour is also identifiable by other means for users
with visual impairment.
While our website includes a number of accessibility considerations, you may
find some limitations:
Contrast – We endeavour to provide enough contrast ratio, however if you find certain text and background colour combinations difficult to read, you can change the text and background colours in your operating system or your browser to better suit your needs.
To learn how to change the settings in your operating system visit:
To learn how to change your preferred text and background colours in your browser visit:
with your web browser and any assistive technologies or plugins installed on your computer:
We support the following up-to-date standards compliant browsers:
The following is a list of software you may need to read the documents and files on this website:
We welcome your feedback on the accessibility of
our website. If you experience any
accessibility barriers on the
HBF website, please don’t hesitate to
We need to confirm your location to show you the correct content, products and pricing.
Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.
Content, products and pricing information is different if you live in Western Australia.
The product you’ve selected isn’t available for purchase in your state.
If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location.