We've got over 60,000 members just like you

Thousands of Aussies aged from 18-25 trust us to help them get well and be there for them in the moments that matter.

Why people like you have health cover

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Health cover for coming off parents cover

I've just graduated from uni and managed to secure my first graduate role in finance. I'm renting and trying to stick to a budget. I just need the basics, but I'll need to get my wisdom teeth sorted soon. My extras covers me for dental and physio.

How I use my cover

  • She has Basic Extras cover for general dental and physio
  • She also has Basic Hospital Plus cover for accidents, joint reconstruction and dental surgery
  • Plus she's also covered for urgent ambulance by road - just in case

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Health cover for the benefits

I've just started my first full-time job and it's time to get my own health policy. Every year I get my teeth checked and cleaned, plus a flu vaccine to protect me in the cooler months. I don't want to miss out on these benefits, so I decided to take out my own health cover. I'm just starting with the basics.

How I use my cover

  • She uses Basic Extras for preventative dental, Healthy Living Programs and remedial massage
  • She also has Basic Hospital Plus cover for accidents, joint reconstruction and dental surgery
  • And Caitlin has urgent ambulance by road

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Health cover for my mental health

I want peace of mind to protect both my physical and mental wellbeing. Many of my friends suffer from mental health, so it's really important to me to have access to someone I can talk to - should I need to. I also want to continue to look good and remain physically fit, so I hit the gym regularly and see the physio when I need.

How I use my cover

  • Levi has Complete 60 so there is always the option to speak with a psychologist
  • He also uses physiotherapy and Healthy Living Programs under his extras
  • Levi has Gold Hospital cover for inpatient psychiatric care for the ultimate peace of mind

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Health cover for sporting injuries

I've just returned to the footy field after an ACL reconstruction. I'm nervous about potential future injuries, but I'm seeing a great sport physiotherapist. I'm still not sure what I'm doing with my life, but being on my parents policy gives me a safety net while I'm at uni.

How I use my parents cover

  • His family has Silver Hospital Plus for joint reconstructions and dental surgery
  • They have Flex 50 which allows each member of family to use their limit how they need.
  • Beau's mum added Ambulance Care for peace of mind if a non-urgent ambulance is called while playing sport

What people like you are claiming for*


General Dental
Physio claims
Clinical Psychologist claims
Chiro claims
Remedial Massage claims
Pharmaceutical claims
Glasses & contact lenses claims

* Based on 2018 claims data for HBF members aged 18 to 25 years old. Service eligibility, benefit back per claim and annual limits will vary depending on selected Extras product.

Do you need hospital, extras or both?

Health cover is just an umbrella term for two types of health insurance—Hospital cover and extras cover. Find out what you need with this quick guide.

Hospital cover

Covers you when you’re admitted to hospital, and will help pay for things like specialist fees, accommodation and theatre fees.

View hospital cover

Extras cover

Covers a bunch of everyday health care services Medicare generally doesn’t, like dental, glasses and physio.

View extras cover

Combined hospital and extras

If you’d like cover for hospital and extras, you can mix and match our products to create your own combined health cover.

Build your own cover

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.

How have people like me used their health cover

Cheerleader Ciara was devastated after a fall left her with multiple injuries and needing reconstructive surgery. Despite the hurdle, she was back on stage competing for a world bid within six months of having surgery. > Learn more

How do I take out my first policy?

  1. Finding the right cover

    Not sure which product will suit your needs? Tell us a little about yourself, and in 3 minutes our Product Selector Tool will find our best cover to suit your needs.

  2. We make it easy to get started

    Once you pick the product that covers the services you need, you can sign up online, book an appointment or give us a call on 133 423.

  3. Serve any applicable waiting periods

    If you are switching from another policy or fund, or are new to private health insurance, waiting periods may apply. Please contact us before starting treatment.

  4. Know your benefits and limits

    Keep track of your benefits and limits by logging into myHBF or downloading the HBF Health app.

What’s the deal with tax time and health insurance?

What is the Medicare Levy Surcharge?

The Medicare Levy Surcharge (MLS) is a tax the Australian Government introduced to encourage people earning above a certain amount to buy hospital insurance and where possible go to private hospitals instead of public ones.

There’s often confusion between the Medicare Levy and the MLS. The Medicare Levy is a tax that helps fund the public health care system. Most Australian taxpayers pay this tax. The MLS is an extra tax on top of the Medicare Levy, which only applies to people who don’t have hospital insurance and earn above a certain amount.

How does it work?

If your income is more than $90,000 as a single (or $180,000 as a family) and you don’t have hospital insurance, you might have to pay the Medicare Levy Surcharge (MLS). Depending on how much you earn, the MLS will be 1 – 1.5% of your income.

Does it apply to me?

You will only have to pay the MLS if you’re earning more than $90,000 a year and don’t have hospital insurance.

Even if the MLS doesn’t apply to you, it’s still worth considering taking out hospital cover by 30 June of the year following your 31st birthday. Why? Because of another government requirement: Lifetime Health Cover loading (explained above), which makes Hospital cover more expensive the longer you put off getting it.

What is the Australian Government Rebate?

The Australian Government rebate on private health insurance is a partial refund given to people who take out health insurance. It’s the government’s way of making Hospital, Extras and Ambulance insurance more affordable.

How does it work?

Depending on your age and income, the government will pay a percentage of the cost of your health cover—this is your rebate. You can apply the rebate directly to your premium (to make it cheaper) or you can claim it back as a lump sum when you lodge your tax return.

Does it apply to me?

You should be eligible for the rebate so long as you’re also eligible for Medicare and earning less than $140,001 as a single or $280,001 as a family.

What is Lifetime Health Cover?

Lifetime Health Cover loading is an extra cost or mandatory loading that must be applied to the price of hospital cover. It is a measure that is designed to encourage younger people to take out hospital cover and hold onto it once they have it. From 1 April 2019 insurers have the option to allow age based discounts as well.

How does it work?

The loading applies to people 31 or older who don’t have hospital cover and decide to take it out later. For every year over the age of 30 you don’t have hospital insurance, the price goes up 2%. The loading goes up to a maximum of 70%.

To avoid Lifetime Health Cover loading, you must be covered by hospital insurance on 1 July of the year following your 31st birthday.

If the loading applies to you, you’ll need to pay the loading on your Hospital cover for 10 continuous years before it’s removed. The loading is capped at whatever percentage applies to you at the time you take out Hospital cover. For example, if your loading is 2% you will only ever pay that amount.

Does it apply to me?

If you’re thinking about taking out Hospital cover, so long as you’re under 31, the loading won’t apply to you. To avoid the loading, just make sure to take out Hospital cover by 30 June of the year following your 31st birthday.

Olivia, 31

Purchased Bronze Hospital Plus before turning 31 years old.

0%LHC loading

$819.661Bronze Hospital Plus

Martha, 36

Purchased Bronze Hospital Plus at 36 years old. This was her first private hospital cover.

10%2LHC loading

$937.413Bronze Hospital Plus

1 Price is based on a Bronze Hospital Plus ($750 excess), single, in WA paying by direct-debit yearly with 24.608% Australian Government Rebate on private health insurance and 0% Lifetime Health Cover loading. As at 01/04/2021.

2 10% lifetime health cover loading based on a 36-year-old with a birth date after 1 July. With resultant increase in total premium of $117.75. As at 01/04/2021.

3 Price is based on a Bronze Hospital Plus ($750 excess), single, in WA paying by direct-debit yearly with 24.608% Australian Government Rebate on private health insurance and 10% Lifetime Health Cover loading. As at 01/04/2021.

Discover more about health cover with our help

How to get your (parents’) money’s worth out of your family health cover

It’s easy to forget that you have health insurance when you’re young and healthy, and your parents pick up the tab. Since you’re not paying for it, you may as well make the most of it while you still can. Here’s how.

Read more
Have you aged-out of your family’s health cover?

Put a hold on those brunch plans for a minute; it might be time to sort out your health cover options before it’s time to come off your parents’ policy. We’ve got the answers to some of the questions you may be asking, so you can decide where to go next.

Read more
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.

Read more

Frequently asked questions about health insurance

When do I need to come off my parents’ health cover?

At HBF, we’ll cover you on your parents’ policy for free until you reach 25, provided you’re not married or living in a de-facto relationship, and are either:

  • Not earning a taxable income of more than $24 500 pa; or
  • A full-time student

Do I need Hospital cover?

It’s entirely up to you. Many Australians initially get it to avoid government penalties (the Medicare Levy Surcharge and Lifetime Health Cover loading). But the real value of private hospital insurance is in the freedom and control it gives you over your healthcare.

With Hospital cover, you can go to a private hospital for treatment and your health fund will help cover your costs. You’ll be able to choose your specialist and skip the public hospital waiting list, which means getting treatment at a time that suits you.

Without Hospital cover, you’ll most likely go to a public hospital for treatment where you won’t have a choice of specialist and will have to wait on the public hospital waiting list—which could mean months, or even years before you receive treatment.

Learn more

What’s the difference between General and Major Dental?

General Dental is a category of dental treatment that focuses on minor dental services. It consists of two sub-categories: Preventative Treatments (like scale and cleans and check-ups) and General Restorative Treatments (like simple fillings and extractions).

Major Dental is a category of dental treatment that focuses on complicated services such as root canals, crowns and bridges.

What cover do I need for wisdom teeth surgery?

If you’d like to go to a private hospital to have your wisdom teeth removed, you’ll need Hospital cover that includes dental surgery and Extras cover that includes General Dental.

You need both because Hospital cover will help cover the cost of your hospital stay (like your accommodation and theatre fees), while Extras cover will help pay for your dental surgeon’s fees.