Health insurance for couples

Being a couple means caring for two. We're here to help with that. With HBF, you'll both get peace of mind at a price you can afford.

Find the right health insurance for you and your partner

Choose your life stage and we'll show health cover options that include the services couples like you care about most.

Basic Hospital Plus & Basic Extras

You don't want private maternity cover – you just want Basic Hospital and Extras cover

Basic Hospital Plus

  • Cover for a few basic services, including tonsils and appendix removal
  • Accident cover from the day after you join

Basic Extras

  • Includes General Dental, Optical, Physio and 4 more common services

Gold Hospital & Saver Flexi Extras

You want private maternity cover and a few Extras services

Gold Hospital

  • Cover for all hospital services, including maternity
  • Cover for a hospital boarder, so your partner can stay with you2

Saver Flexi Extras

  • Cover for General Dental and Urgent Ambulance, plus 2 more services of your choice
  • Swap your 2 services at any time8
Showing 2 combinations only. You can mix & match your own health cover here.

Why you can trust HBF with your health cover

Stay in a private room

All our Hospital cover options include cover for a private room at a private or public hospital1.

Have your loved one stay with you

If you need someone to stay with you while you’re in hospital, we’ll cover the cost of their meals and accommodation2.

Avoid the Medicare Levy Surcharge

Taking out any one our Hospital cover options will help you avoid the Medicare Levy Surcharge tax.

Higher annual limits for loyal members

On most of our Extras cover options, we reward our loyal members by increasing the amount you can claim the longer you stay with us3 4.

Unlimited preventative dental

Claim as many times as you like during the year for preventative dental services like scale & cleans and dental x-rays with HBF Extras cover3 4.

Unlimited urgent ambulance

Urgent ambulance cover by road for as many trips as you need. Available on most Hospital and Extras cover options3.

HBF health members also get access to great discounts and health programs

  • Get fit for free with group fitness sessions run by qualified Personal Trainers
  • Join the gym for less with discounts on gym membership6
  • Work out in style with discounts on fitness apparel6
  • We’ll help you get well with telephone health coaching and other free health programs7
  • Say goodbye to sniffles with a free flu vac every year7

Switching to HBF is as easy as 1, 2, 3

Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.

  1. Choose health cover that suits your needs.
  2. Buy your health cover online. If you’d prefer to chat, visit your local branch or call 133 423.
  3. Tell us the name of your old insurer and we’ll do the switching paperwork for you.

Switch to HBF

You don’t need to be married to get couples cover. You can get couples cover so long as there are two adults on the policy who are either in a de facto relationship or married.

It depends on your health fund and the health cover you choose. With HBF, a couples health cover policy just costs double the price of a singles health cover policy (before applying the Australian Government Rebate on Private Health Insurance or Lifetime Health Cover loading).

Yes. As a couple, you have the option of getting couples health insurance (so you’re both covered on the same policy) or a singles health insurance policy each. It’s entirely up to you and what best suits your needs.

It’s up to you. If you’d like you and your partner to be covered on the same policy, you can get couples health cover with maternity. But you also have the option of getting singles health insurance with maternity, and another singles policy without it. When your baby arrives, you can then transition to family health cover, so you, your partner and your new baby can all be covered on the same policy.

No. Most health funds, including HBF, have a 12-month waiting period for maternity cover. This helps stop people from signing up for health cover, claiming and leaving, which drives up premiums for the health fund’s other members.

HBF is a not-for-profit health fund, which means we’ll always be there for you, not shareholders.