Get more value with HBF

With HBF, you have the flexibility to choose and swap your extras so you only pay for what you need. These are just some of the ways HBF gives you more value.

We’re always looking for ways to give our members more

Flexible extras cover
Flexible extras cover

Only pay for the services you need with Australia’s most flexible extras cover

Whether you're younger or older, we have a Flexi Extras cover option to suit everybody. Flexi Extras lets you choose and swap your services so you only pay for what you need when you need it. Plus, you can choose how much you get back with three different levels of benefits.

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Free kids’ preventative dental
Free kids’ preventative dental

No gaps on kids’ preventative dental

We know the importance of getting kids into good dental hygiene habits while they’re young, but what’s involved in keeping kids’ teeth healthy? Along with brushing twice daily and eating healthy it’s important to regularly see a dentist so they can spot dental issues before they get too serious. With HBF there’s no gap to pay for kids’ preventative dental when you go to a Member Plus dentist, up to your annual limit – it’s just one of the ways we give more to our members.

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More back on dental bills
More back on dental bills

HBF members get more back on dental

Managing the cost of dental bills is one of the main reasons people take out extras cover. With HBF there’s heaps to smile about, with more money back on key dental services like check-ups, fillings and x-rays, on average when compared to other major WA health funds.

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Momentum member benefits
Momentum member benefits

Get more than just insurance with Momentum member benefits

We understand looking after your health means much more than just insurance, that’s why HBF health members get access to a great range of Momentum member benefits. Make the most of our preventative health services like free health checks and fitness. We’re also looking out for you in the kitchen with discounted fruit and veg from Aussie Farmers Direct. These are just some of the ways we keep you happy and healthy all year round.

Not-for-profit
Not-for-profit

We’re not-for-profit, which means we’re all about our members

We don’t have shareholders to pay, which means we can dedicate ourselves to our members’ interests. We’ll only increase premiums to cover the rising cost of claims, not to make a profit. HBF members get more back on hospital and dental bills, on average when compared to other major WA health funds.