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  • Exclusive member benefits.
  • Largest health fund in WA
  • 30 day cooling-off period.

Health insurance

Compare what counts

Every health insurer is different. As a not for profit member based fund, we strive to provide our members with access to the best personal health service possible.

According to the 2011 State of the Health Funds report, our hospital cover is one of the best available - which is good news for all HBF members.

For a limited time, we will recognise your full length of membership with your current health fund. If you're switching to HBF from another Australian health insurer and you’ve already used some or all of your annual Extras benefits with your former fund, we’ll need to adjust the balance of your Extras benefits to reflect this.

It’s a no fuss process as we’ll contact them to arrange the transfer, making the switch as easy for you as possible.

Choice of providers

We have the largest network of Member Plus hospitals and dental providers in WA by far. With over 700 Member Plus dentists, 38 Member Plus hospitals and many Member Plus optical providers, you’ll never have to go too far to find one.

Even though we have more Member Plus dentists and optical stores in WA than any other fund, you can always visit any registered dentist or optical store and still receive a benefit. But you can lower any out-of-pocket expenses by visiting a Member Plus provider and get a fully covered scale and clean each calendar year at a Member Plus dentist.

Source: PHIO State of the Health Funds Report 2011.

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Help when you need it most

We have six dedicated hospital liaison officers (one other fund has a couple in WA, the rest don’t have any). They’re there when our members need us most; helping you understand your hospital cover, and any other queries you may have during a stay in hospital. On average, we contact 85% of our members in private hospitals.

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Hospital charges covered

As well as having fewer gaps on hospital medical charges, HBF members are covered for 94.3% of hospital related charges in WA (things such as theatre, accommodation costs, prostheses and in-hospital pharmacy) – more than other major health funds.

Source: PHIO State of the Health Funds Report 2011.

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How much you get back

We're not for profit. We don't have shareholders to pay, which means we put more money back in your pocket when you claim. We give 87.5% of all member premiums back in benefits. More than the other major funds in WA.

Source: PHIO State of the Health Funds Report 2011. Based on total fund benefits paid as a percentage of premiums.

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Location, location

Unlike some eastern states funds, we have 19 branches here so you can speak to someone face-to-face when you need them most. And if you want to call us, our team are on the same time as you are. We’re proud to have served West Australians for 70 years.

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Medical gaps

Not many of us expect to have to go into hospital. But in fact each year around one in five HBF members with hospital cover make a hospital claim. So if you’re an HBF member, it’s good to know that we have the highest percentage of inpatient medical services in WA covered with no gap.

Source: PHIO State of the Health Funds Report 2011.

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Member satisfaction

We have over half a million members who have been with us for over ten years. And no other fund has fewer complaints made to the Private Health Insurance Ombudsman than HBF, relative to market share. That’s no other fund in Australia, but here’s how our complaints to market share ratio stacks up against the other major funds in WA.

Source: PHIO State of the Health Funds Report 2011.

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Saving money

Throughout the year we provide opportunities to help you be physically active by holding free group fitness sessions and giving our members discounts on triathlon and fitness events. This is our way of not only making exercise fun, but also helping our members to get fit and healthy.

HBF members also get discounts for car, home and travel insurance, which can be worth a lot of money.

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What you get back on dental

On average, our members get back about half of all Extras charges for the services we cover (things such as dental, optical, physio, chiro and podiatry). And for the most utilised Extras service – dental – we give our members more back on the services we cover than any other major health fund in WA. And we have no annual limits on general dental (except on Dental Saver and Smart Saver TwinPack).

Source: PHIO State of the Health Funds Report 2011.

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