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Australia's lowest average premium increase
We’ve worked exceptionally hard to make our 2020 premium increase the lowest of all 35 health insurers in Australia. HBF’s CEO, John Van Der Wielen shares how we achieved this result.
Cover to suit your needs
Tell us a little about yourself and your health needs, and in two to three minutes we'll find our best cover to suit your needs.
Basic Hospital Plus & Basic Extras
Basic Hospital Plus
Basic Extras
Gold Hospital & Saver Flexi Extras
Gold Hospital
Saver Flexi Extras
Bronze Hospital Plus & Standard Extras
Bronze Hospital Plus
Standard Extras
Silver Hospital & Flexi Extras
Silver Hospital
Flexi Extras
Silver Hospital & Standard Extras
Silver Hospital Plus & Flexi Extras
Silver Hospital Plus
Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.
All our Hospital cover options include cover for a private room at a private or public hospital1.
If you need someone to stay with you while you’re in hospital, we’ll cover the cost of their meals and accommodation2.
Taking out any one our Hospital cover options will help you avoid the Medicare Levy Surcharge tax.
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.
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.
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 three 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.
We’ll help you find the right cover for your needs and budget.
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