HBF Explains

Here’s the tips, advice and inside information you need to get the most out of your health cover.

Hospital and Extras cover

What is Private Health Insurance

Private health insurance helps cover the cost of your health care. There are two types of private health insurance: hospital insurance and extras insurance.

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Private Health Insurance before 31

What’s the deal with health insurance, tax and June 30?

Around June every year, Australian health funds and the government start talking about tax, health insurance and a June 30 deadline—but why?

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What is Lifetime Health Cover Loading?

Find out how the Lifetime Health Cover loading works and how it might affect you

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3 reasons you (might) need health insurance in your twenties

There's a tax, a loading and peace of mind to think about. We explain each reason so you can choose if health cover is right for you.

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How to save

How to save on health insurance

While most people think of ‘health insurance’ as one product that covers everything, it’s really an umbrella term. There are many components you can chop and change to suit your needs.

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What is a Hospital Out-of-Pocket Cost

Sometimes you’ll have to pay for part of a treatment out of your own pocket. Discover when this happens and how to minimise the cost.

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Understand your hospital cover

Learn how your hospital insurance works, and what your options are if you need treatment.

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Rate Review

Why do health insurance premiums keep going up?

It’s that time of year again: the dreaded health insurance premium rise. Know what you’re looking for?

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Health Insurance Premium Increase FAQs

Find out what you need to know, from why premiums increase and how it works to how to save on your premium.

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Extras cover

Are health cover extras worth it?

People usually think of private health cover as a single product. But when you start shopping around, you’ll find it’s actually split into two categories called hospital and extras.

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What is Extras insurance?

A simple guide to extras insurance and how it works.

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