Basic Hospital Plus & Basic Extras
Basic Hospital Plus
Gold Hospital & Saver Flexi Extras
Saver Flexi Extras
Bronze Hospital Plus & Standard Extras
Bronze Hospital Plus
Silver Hospital & Flexi Extras
Silver Hospital & Standard Extras
Silver Hospital Plus & Flexi Extras
Silver Hospital Plus
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.
Switching health funds is easier than you think. Follow these 3 simple steps to switch to HBF in just a few minutes.
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.
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