Across all HBF products and services, benefits are payable up to applicable annual limits and sub-limits and only for services and programs approved by HBF and delivered by providers that are approved by HBF. Waiting periods may apply before benefits are payable.
^For eligible members when provided by a Member Plus provider. Subject to annual limits. Waiting periods may apply.
Presentation to a Medical Practitioner or admission to hospital for related medical treatment must occur within 7 days of the accident. If hospital treatment is required as a result of the accident, you must be admitted to hospital within 90 of the initial medical presentation. See membership guide for more information.
Combined annual limit for Chiropractic; Preventative Dental, General Restorative Dental, Major Dental, Implants; Dietetics and Nutrition; Exercise Physiology; Healthy Living Programs; Natural Therapies; Psychology; Pharmaceuticals non-PBS; Physiotherapy; and Psychology. Sub-limit applies to Natural Therapies.
Provided the person staying with you is integral in managing your condition, the service you’re receiving is included on your cover, and hospital boarders are an agreed service with your chosen hospital. Subject to availability.
Discount available at participating retailers only.
Only available to members on eligible products. Additional eligibility criteria apply.
Beneﬁts are payable to eligible HBF members when services are delivered by an approved Member Plus pharmacy. Other terms and conditions may apply.