New HBF digital member card
Who needs another card in their wallet? Download the digital member card and use your phone to tap and claim at a HICAPS or Smart Health terminal for your covered extras services.*
Our members' needs have evolved, and we need to keep pace. Right now, we’re focusing on three core areas of our business.
We’re working hard to become as efficient as possible, so we can keep HBF health cover affordable.
We know that health insurance is confusing, so we’re making it easier to understand and use our products and services.
We’ve made a conscious decision to focus more on looking after our existing members than acquiring new ones.
While rising healthcare costs continue to drive up premiums, internally, we’ve been making changes that will help us keep future premium increases to a minimum.
Today our expenses are lower thanks to savings from ending sponsorships, closing branches where member demand
had fallen, and internal restructuring to create a flatter, more efficient management structure.
We saved money by ending our arrangements with comparison sites like iSelect and Compare the Market, which involved paying high commissions to gain new members.
We’ve saved money by relocating our Perth City branch into our head office. We also plan to lease three floors
of our head office premises to provide income that we’ll use to further reduce our operating costs and
the pressure on members' premiums.