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

Health insurance

Health cover around Australia

We're with you – wherever you are.


Hospital cover

We began in Western Australia in 1941. But now, hospitals, doctors and specialists all around Australia are covered. So as an HBF member, you can access the best in health care wherever you are.

In fact, if you need treatment in any Member Plus hospital, you’ll be covered for accommodation and theatre fees less any co-payments and agreed excess (just remember that all benefits are subject to any waiting periods, exclusions or restrictions that apply to your level of cover).

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Before arranging a hospital stay, it’s always a good idea to get a quote from your doctor or specialist and contact us to see how much will be covered by your HBF health insurance.

Extras cover

Wherever you are in Australia, you’ll be able to claim the same percentage amount for dental, optical, physio and other Extras services from any provider (as if you were visiting a Member Plus provider) and you will have exactly the same annual claims maximums.

One small difference is that, because of the vast number of dentists, optical stores, and physios around Australia, some providers may not yet be registered for electronic claiming with us. See below on 'How to claim' if you can’t use your HBF card for e-claiming at the provider.

Ambulance cover

The cost of ambulance transport varies for each state. The good news is that you’re covered Australia-wide. Outside of WA, HBF members get unlimited cover for urgent road ambulance transport to hospital emergency departments for treatment.

How to claim

Just like in WA, you should be able to claim for Extras services on-the-spot (just swipe your HBF card and only pay the difference), however, there are still some providers that aren’t yet registered with us for e-claiming. If you visit an extras provider where you can’t claim on the spot by swiping your member card, get them to call 1800 620 133 to register with us, so you’ll be able to use on-the-spot claiming next time you visit them.

For Hospital and Extras claims, you can claim online via myHBF.

Of course, you can always claim by mail. Just download a claim form, complete it and then mail it along with the provider’s invoice and your receipt to; HBF, GPO Box S1440, Perth WA 6809.

If you claim online or by mail, your benefit will be paid to you by direct credit to your nominated bank account or by cheque.

Contacting us 

We try to put as much information on our website as possible, but there may be times when you’ll need to talk to someone directly. If you have any questions or would just like to talk to us about your cover, call us on 133 423 between 8am and 6pm WST Monday to Friday, or 9am to 12pm WST Saturdays.

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