Discover your health insurance options

Hospital and Extras

Choose from 4 ready-made Hospital and Extras packages, or create your own tailored package by combining any of our Hospital and Extras options.

Young Singles Saver Twin Pack

from

$17.70*

per week

Great value package for the young and healthy

recommended

Young Singles Saver Twin Pack

from

$17.70*

per week

Great value package for the young and healthy

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Private hospital room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Gap cover

When a doctor charges more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. Many doctors have "fully covered agreements" with HBF so members they treat have no gaps to pay.

Waiting period
2 months (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
2 months (12 months for pre-existing ailments)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Non PBS in-hospital pharmacy

Covered for non PBS in-hospital pharmacy, which helps you access medications when you’re admitted into hospital.

Annual limits
$1400
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Waiting period
2 months (12 months for pre-existing ailments)
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
No limit
Benefit back
$22 - $99 dependent on service (60% back at Member Plus provider)
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Physiotherapy

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Annual limits
$300 combined limit for chiropractic, physiotherapy, podiatry and pharmacy
Benefit back
$8 - $48 dependent on service
Waiting period
2 months
Chiropractic

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Annual limits
$300 combined limit for chiropractic, physiotherapy, podiatry and pharmacy
Benefit back
$17 - $64 dependent on service
Waiting period
2 months
Osteopathy

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Glasses

Cover for prescription spectacles to correct vision disorders.

Annual limits
1 pair of glasses or 1 set of contact lenses
Benefit back
$120 - $160 dependent on service
Waiting period
2 months
Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
1 pair of glasses or 1 set of contact lenses
Benefit back
up to $140 dependent on service
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Exercise physiology

Cover for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Annual limits
$300 combined limit for chiropractic, physiotherapy, podiatry consultations and pharmacy
Benefit back
$14 - $26 dependent on service
Waiting period
2 months
Podiatry orthoses

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Pharmacy

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Annual limits
$300 combined limit for chiropractic, physiotherapy, podiatry and pharmacy
Benefit back
Cost of medicine less member co-payment. This may vary depending on medication
Waiting period
2 months
Healthy living programs

Healthy Living Programs give you access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Annual limits
1 Health Check per person, per year
Benefit back
1 Health Check
Waiting period
2 Months
Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Dietitian

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Nutritionist

Covered for consultations with a Nutritionist or Dietitian, who can provide advice on healthy eating and nutrition for health management.

Clinical psychology

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Speech therapy

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Eye therapy

Covered for consultations with an orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Hearing aids

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Travel and accommodation

Covered for Travel and Accommodation for members needing hospital and specialist services more than 200kms (100km each way) from your usual residence.

Antenatal care

Covered for antenatal classes to prepare for childbirth. Includes advice on labour, the birth and parenthood.

Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Annual limits
No limit
Benefit back
Cover for urgent ambulance transport
Waiting period
7 days
Non urgent ambulance

Covered for Non-Urgent Ambulance transport for patients who require medical care or special assistance on their journey.

Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Smart Saver Twin Pack

from

$29.35*

per week

Package for couples planning kids or growing families

recommended

Smart Saver Twin Pack

from

$29.35*

per week

Package for couples planning kids or growing families

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Private hospital room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Gap cover

When a doctor charges more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. Many doctors have "fully covered agreements" with HBF so members they treat have no gaps to pay.

Waiting period
2 months (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
2 months (12 months for pre-existing ailments)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Waiting period
12 months
IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Waiting period
2 Months (12 months for pre-existing ailments)
Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period
2 months (12 months for pre-existing ailments)
Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Waiting period
2 months (12 months for pre-existing ailments)
Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Waiting period
2 months (12 months for pre-existing ailments)
Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Non PBS in-hospital pharmacy

Covered for non PBS in-hospital pharmacy, which helps you access medications when you’re admitted into hospital.

Annual limits
$1400
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Waiting period
2 months (12 months for pre-existing ailments)
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
$500 combined limit for general dental, major dental and implant and orthodontics
Benefit back
$22 - $99 dependent on service
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Annual limits
$500 combined limit for general dental, major dental and implant and orthodontics
Benefit back
$64 - $490 dependent on service (60% back at Member Plus Provider)
Waiting period
12 months
Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Annual limits
$500 combined limit for general dental, major dental and implant and orthodontics
Benefit back
up to $500 dependent on service (60% back at Member Plus Provider)
Waiting period
12 months
Physiotherapy

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Annual limits
$300 combined limit for chiropractic, osteopathy and physiotherapy
Benefit back
$8 - $48 dependent on service
Waiting period
2 months
Chiropractic

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Annual limits
$300 combined limit for chiropractic, osteopathy and physiotherapy
Benefit back
$17 - $64 dependent on service
Waiting period
2 months
Osteopathy

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Glasses

Cover for prescription spectacles to correct vision disorders.

Annual limits
1 pair of glasses or 1 set of contact lenses
Benefit back
$120 - $160 dependent on service
Waiting period
2 months
Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
1 pair of glasses or 1 set of contact lenses
Benefit back
up to $140 dependent on service
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Exercise physiology

Cover for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Annual limits
$200 (consultations)
Benefit back
$14 - $26 dependent on service
Waiting period
2 months
Podiatry orthoses

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Pharmacy

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Annual limits
$300 per person, per year
Benefit back
Cost of medicine less member co-payment. This may vary depending on medication
Waiting period
2 months
Healthy living programs

Healthy Living Programs give you access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Annual limits
$150 - $200 dependent on program, combined with all unique Healthy Living Programs approved by HBF
Benefit back
dependent on program
Waiting period
2 months
Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Annual limits
1 Health Check per person, per year
Benefit back
1 Health Check
Waiting period
2 months
Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Annual limits
$200
Benefit back
1 Flu Vaccination
Waiting period
2 months
Dietitian

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Nutritionist

Covered for consultations with a Nutritionist or Dietitian, who can provide advice on healthy eating and nutrition for health management.

Clinical psychology

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Speech therapy

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Eye therapy

Covered for consultations with an orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Hearing aids

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Travel and accommodation

Covered for Travel and Accommodation for members needing hospital and specialist services more than 200kms (100km each way) from your usual residence.

Antenatal care

Covered for antenatal classes to prepare for childbirth. Includes advice on labour, the birth and parenthood.

Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Annual limits
No limit
Benefit back
Cover for urgent ambulance transport
Waiting period
7 days
Non urgent ambulance

Covered for Non-Urgent Ambulance transport for patients who require medical care or special assistance on their journey.

Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Prime Health Package

from

$38.30*

per week

Perfect package for older singles and couples

recommended

Prime Health Package

from

$38.30*

per week

Perfect package for older singles and couples

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Private hospital room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Gap cover

When a doctor charges more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. Many doctors have "fully covered agreements" with HBF so members they treat have no gaps to pay.

Waiting period
2 months (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
2 months (12 months for pre-existing ailments)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period
2 months (12 months for pre-existing ailments)
Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Waiting period
2 months (12 months for pre-existing ailments)
Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Waiting period
2 months (12 months for pre-existing ailments)
Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Waiting period
2 months (12 months pre-existing ailments)
Non PBS in-hospital pharmacy

Covered for non PBS in-hospital pharmacy, which helps you access medications when you’re admitted into hospital.

Annual limits
$1400
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Waiting period
2 months (12 months for pre-existing ailments)
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
$3500 combined limit for general dental, major dental and implant and orthodontics
Benefit back
$22 - $132 dependent on service (70% back at Member Plus)
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Annual limits
$3500 combined limit for general dental, major dental and implant and orthodontics
Benefit back
$69 - $620 dependent on service (70% back at Member Plus Provider)
Waiting period
12 months
Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Annual limits
$3500 combined limit for general dental, major dental and implant and orthodontics
Benefit back
$687 - $2500 dependent on service (70% back at Member Plus Provider)
Waiting period
12 months
Physiotherapy

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Annual limits
$1000 combined limit for chiropractic, osteopathy and physiotherapy
Benefit back
$8 - $56 dependent on service
Waiting period
2 months
Chiropractic

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Annual limits
$1000 combined limit for chiropractic, osteopathy and physiotherapy
Benefit back
$30 - $80 dependent on service
Waiting period
2 months
Osteopathy

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Annual limits
$1000 combined limit for chiropractic, osteopathy and physiotherapy
Benefit back
$30 - $37 dependent on service
Waiting period
2 months
Glasses

Cover for prescription spectacles to correct vision disorders.

Annual limits
1 pair of glasses or 1 set of contact lenses
Benefit back
$120 - $160 dependent on service
Waiting period
2 months
Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
1 set contact lenses for frequent replacement/disposable lenses
Benefit back
up to $140
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Exercise physiology

Cover for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Annual limits
12 consultations
Benefit back
$14 - $26 dependent on service
Waiting period
2 months
Podiatry orthoses

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Annual limits
$60 - $240 dependent on service
Benefit back
$60 - $240 dependent on service
Waiting period
12 months
Pharmacy

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Annual limits
$200
Benefit back
Cost of medicine less member co-payment. This may vary depending on medication
Waiting period
2 months
Healthy living programs

Healthy Living Programs give you access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Annual limits
$200 - $250 dependent on program, combined with all unique Healthy Living Programs approved by HBF
Benefit back
dependent on program
Waiting period
2 months
Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Annual limits
1 Health Check per person, per year
Benefit back
1 Health Check
Waiting period
2 months
Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Annual limits
$250
Benefit back
1 Flu Vaccination
Waiting period
2 months
Dietitian

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Annual limits
$240 per person, per year
Benefit back
$8 - $33 dependent on service
Waiting period
2 months
Nutritionist

Covered for consultations with a Nutritionist or Dietitian, who can provide advice on healthy eating and nutrition for health management.

Clinical psychology

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Annual limits
$720
Benefit back
$22 - $79 dependent on service
Waiting period
2 months
Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Annual limits
$600 combined with Occupational Therapy, Orthoptics (eye therapy) and Speech Therapy
Benefit back
$10 - $45 dependent on service
Waiting period
2 months
Speech therapy

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Annual limits
$600 combined with Occupational Therapy, Orthoptics (eye therapy) and Speech Therapy
Benefit back
$10 - $100 dependent on service
Waiting period
2 months
Eye therapy

Covered for consultations with an orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Annual limits
$600 combined with Occupational Therapy, Orthoptics (eye therapy) and Speech Therapy
Benefit back
$36 - $45 dependent on service
Waiting period
2 months
Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Annual limits
$200 - $300 dependent on health appliance
Benefit back
$108 - $200 dependent on health appliance
Waiting period
1–2 yrs depending on appliance
Hearing aids

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Annual limits
1 per person every 5 years and after 15 years of cover 1 per person every 3 years
Benefit back
$550
Waiting period
36 months
Travel and accommodation

Covered for Travel and Accommodation for members needing hospital and specialist services more than 200kms (100km each way) from your usual residence.

Antenatal care

Covered for antenatal classes to prepare for childbirth. Includes advice on labour, the birth and parenthood.

Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Annual limits
No limit
Benefit back
Cover for urgent ambulance transport
Waiting period
7 days
Non urgent ambulance

Covered for Non-Urgent Ambulance transport for patients who require medical care or special assistance on their journey.

Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Ultimate Package

from

$90.55*

per week

Australia's most comprehensive health cover package

recommended

Ultimate Package

from

$90.55*

per week

Australia's most comprehensive health cover package

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Private hospital room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Gap cover

When a doctor charges more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. Many doctors have "fully covered agreements" with HBF so members they treat have no gaps to pay.

Waiting period
2 months (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
2 months (12 months for pre-existing ailments)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Waiting period
12 months
IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Waiting period
2 Months (12 months for pre-existing ailments)
Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period
2 months (12 months for pre-existing ailments)
Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Waiting period
2 months (12 months for pre-existing ailments)
Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Waiting period
2 months (12 months for pre-existing ailments)
Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Waiting period
2 months (12 months pre-existing ailments)
Non PBS in-hospital pharmacy

Covered for non PBS in-hospital pharmacy, which helps you access medications when you’re admitted into hospital.

Annual limits
$1400
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
None
Benefit back
90% back
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Annual limits
$1,000 (combined annual limit with Implants and Orthodontics)
Benefit back
90% back
Waiting period
12 months
Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Annual limits
$1,000 (combined annual limit with Major Dental)
Benefit back
90% back
Waiting period
12 months
Physiotherapy

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Annual limits
$1100
Benefit back
90% back
Waiting period
2 months
Chiropractic

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Annual limits
$800 (combined annual limit with Osteopathy)
Benefit back
90% back
Waiting period
2 months
Osteopathy

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Annual limits
$800 (combined annual limit with Osteopathy)
Benefit back
90% back
Waiting period
2 months
Glasses

Cover for prescription spectacles to correct vision disorders.

Annual limits
$400 (1 pair of glasses)
Benefit back
100% back
Waiting period
2 months
Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Annual limits
$250 - $350 dependent on service
Benefit back
100% back
Waiting period
2 months
Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Annual limits
$6500 lifetime
Benefit back
100%
Waiting period
12 months
Remedial massage

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Annual limits
$600
Benefit back
90% back
Waiting period
2 months
Exercise physiology

Cover for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

Annual limits
$700
Benefit back
90% back
Waiting period
2 months
Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Annual limits
$500
Benefit back
90% back
Waiting period
2 months
Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Waiting period
2 months
Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Annual limits
$800 - No limit dependent on service
Benefit back
90% back
Waiting period
2 months
Podiatry orthoses

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Annual limits
$200 - $400 dependent on service
Benefit back
100% back
Waiting period
12 months
Pharmacy

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Annual limits
$800
Benefit back
Cost of medicine less member co-payment. This may vary depending on medication
Waiting period
2 months
Healthy living programs

Healthy Living Programs give you access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Annual limits
$500 combined with across all unique Healthy Living Programs approved by HBF
Benefit back
100% dependent on service
Waiting period
2 months
Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Annual limits
1 Health Check per person, per year
Benefit back
1 Health Check
Waiting period
2 months
Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Annual limits
$500
Benefit back
1 Flu Vaccination
Waiting period
2 months
Dietitian

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Annual limits
$800 combined with Dietetics and Nutritionist
Benefit back
90% back
Waiting period
2 months
Nutritionist

Covered for consultations with a Nutritionist or Dietitian, who can provide advice on healthy eating and nutrition for health management.

Annual limits
$800 combined with Dietetics and Nutritionist
Benefit back
90% back
Waiting period
2 months
Clinical psychology

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Annual limits
$2000 combined with Psychology
Benefit back
90% back
Waiting period
2 months
Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Annual limits
$2000 combined with Clinical Psychology
Benefit back
90% back
Waiting period
2 months
Occupational therapy

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Annual limits
$1200 combined with Occupational Therapy, Orthoptics (eye therapy) and Speech Therapy
Benefit back
90% back
Waiting period
2 months
Speech therapy

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Annual limits
$1200 combined with Occupational Therapy, Orthoptics (eye therapy) and Speech Therapy
Benefit back
90% back
Waiting period
2 months
Eye therapy

Covered for consultations with an orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Annual limits
$1200 combined with Occupational Therapy, Orthoptics (eye therapy) and Speech Therapy
Benefit back
90% back
Waiting period
2 months
Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Annual limits
$200 - $300 dependent on health appliance
Benefit back
90 - 100% back
Waiting period
2 - 12 months depending on appliance
Hearing aids

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Annual limits
$1500
Benefit back
100% back
Waiting period
12 months
Travel and accommodation

Covered for Travel and Accommodation for members needing hospital and specialist services more than 200kms (100km each way) from your usual residence.

Annual limits
$300
Benefit back
100% back
Waiting period
2 months
Antenatal care

Covered for antenatal classes to prepare for childbirth. Includes advice on labour, the birth and parenthood.

Annual limits
$100
Benefit back
100% back
Waiting period
2 months
Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Annual limits
No limit
Benefit back
100% back
Waiting period
7 days
Non urgent ambulance

Covered for Non-Urgent Ambulance transport for patients who require medical care or special assistance on their journey.

Annual limits
$3000
Benefit back
100% back
Waiting period
30 days
Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Annual limits
dependent on service
Benefit back
dependent on service
Waiting period
2 months

Hospital cover

Choose from 4 hospital products that cover you for in-patient treatment in a hospital. Includes things like medical procedures and services, theatre fees, and accommodation when you go to hospital.

Add Extras cover to your Hospital cover from $2.95 per week

Young Saver Hospital

from

$15.50*

per week

Low cost hospital cover for the young and healthy

recommended

Young Saver Hospital

from

$15.50*

per week

Low cost hospital cover for the young and healthy

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Private hospital room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Gap cover

When a doctor charges more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. Many doctors have "fully covered agreements" with HBF so members they treat have no gaps to pay.

Waiting period
2 months (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
2 months (12 months for pre-existing ailments)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Non PBS in-hospital pharmacy

Covered for non PBS in-hospital pharmacy, which helps you access medications when you’re admitted into hospital.

Annual limits
$1400
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Waiting period
2 months (12 months for pre-existing ailments)

Mid Hospital

from

$23.20*

per week

Great value hospital cover that excludes maternity

recommended

Mid Hospital

from

$23.20*

per week

Great value hospital cover that excludes maternity

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Private hospital room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Gap cover

When a doctor charges more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. Many doctors have "fully covered agreements" with HBF so members they treat have no gaps to pay.

Waiting period
2 months (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
2 months (12 months for pre-existing ailments)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period
2 months (12 months for pre-existing ailments)
Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Waiting period
2 months (12 months pre-existing ailments)
Non PBS in-hospital pharmacy

Covered for non PBS in-hospital pharmacy, which helps you access medications when you’re admitted into hospital.

Annual limits
$1400
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Waiting period
2 months (12 months for pre-existing ailments)

Healthy Saver Hospital

from

$28.45*

per week

Hospital cover with maternity for growing families

recommended

Healthy Saver Hospital

from

$28.45*

per week

Hospital cover with maternity for growing families

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Private hospital room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Gap cover

When a doctor charges more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. Many doctors have "fully covered agreements" with HBF so members they treat have no gaps to pay.

Waiting period
2 months (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
2 months (12 months for pre-existing ailments)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Waiting period
12 months
IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Waiting period
2 Months (12 months for pre-existing ailments)
Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Non PBS in-hospital pharmacy

Covered for non PBS in-hospital pharmacy, which helps you access medications when you’re admitted into hospital.

Annual limits
$1400
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Top Hospital

from

$30.15*

per week

Comprehensive hospital cover for peace of mind

recommended

Top Hospital

from

$30.15*

per week

Comprehensive hospital cover for peace of mind

recommended
HOSPITAL SERVICES
Shared hospital room

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Private hospital room

Fully covered for accommodation in a private room at an HBF Member Plus private hospital on covered services.

Waiting period
2 Months (12 months for pre-existing ailments)
Gap cover

When a doctor charges more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’. Many doctors have "fully covered agreements" with HBF so members they treat have no gaps to pay.

Waiting period
2 months (12 months for pre-existing ailments)
Thousands of procedures

Covered for thousands of hospital procedures and services, including  chemotherapy, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period
2 months (12 months for pre-existing ailments)
Maternity (incl Private room)

Covered for maternity and birth-related services, which help women expecting a child access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Waiting period
12 months
IVF

Covered for IVF and other Assisted Reproductive Services (ARS) inpatient services, which enable couples experiencing fertility issues to attempt pregnancy through artificial means.

Waiting period
2 Months (12 months for pre-existing ailments)
Heart treatment

Covered for in-hospital heart treatment for a range of conditions, including heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period
2 months (12 months for pre-existing ailments)
Cataract surgery

Covered for medically necessary cataract and other eye lens procedures.

Waiting period
2 months (12 months for pre-existing ailments)
Joint replacement surgery

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint.

Waiting period
2 months (12 months for pre-existing ailments)
Psychiatric hospital admissions

Covered for psychiatric care, which involves in-hospital care for mental health problems like depression, anxiety, trauma, grief and other emotional and mental disorders.

Waiting period
2 months
Rehabilitation

Covered for overnight in-hospital rehabilitation services, which are sometimes needed after injury or surgery to restore physical and cognitive skills.

Waiting period
2 months
Podiatric Surgery

Covered for podiatric surgery, which involves a specialist who provides in-hospital surgery on the feet. This is different from seeing a podiatrist outside of hospital.

Waiting period
2 months (12 months pre-existing ailments)
Non PBS in-hospital pharmacy

Covered for non PBS in-hospital pharmacy, which helps you access medications when you’re admitted into hospital.

Annual limits
$1400
Waiting period
2 months (12 months for pre-existing ailments)
Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period
7 days
Hospital excess

You can choose to add an excess to your policy, which is an upfront payment you pay out of your own pocket when you go to hospital. It can help reduce the price of your policy.

Waiting period
2 months (12 months for pre-existing ailments)

Extras cover

Choose from 7 extras products that cover you for everyday health care services. Get cover for services you're likely to use like dental, optical and physio.

Add Hospital cover to your Extra's cover from $15.50 per week

Dental Saver

from

$2.95*

per week

Straightforward dental insurance

recommended

Dental Saver

from

$2.95*

per week

Straightforward dental insurance

recommended
EXTRAS SERVICES
General dental

Covered for general dental treatment such as consultations, dental x-rays, scale and cleans, simple fillings and extractions.

Annual limits
$400 per person, per year
Benefit back
$22 - $99 dependant on service
Waiting period
2 months
Major dental

Covered for Major Dental treatment, which refers to more complex procedures such as the surgical removal of wisdom teeth, dentures, crowns and bridges.

Dental Implants & orthodontics

Covered for dental implants and orthodontic treatment, including braces and retainers.

Physiotherapy

Covered for Physiotherapy consultations, which involves the treatment of physical issues caused by injury, illness and ageing.

Chiropractic

Covered for chiropractic consultations, which involves treatment of the musculoskeletal structure, including the spine.

Osteopathy

Covered for Osteopathy consultations, involving treatment muscles and joint issues by massage and manipulation to improve mobility and reduce pain.

Glasses

Cover for prescription spectacles to correct vision disorders.

Contacts

Covered for contact lenses, which are medically necessary to correct vision.

Optical laser eye procedures

Covered for laser eye surgery procedures to correct vision issues. For example, LASIK, Keratoconus cross linking, Refractive lens exchange and implantable contact lenses.

Remedial massage

Covered for remedial massage and myotherapy, which involves the massage and manipulation of soft tissue, allowing the body to return to normal health.

Exercise physiology

Cover for consultations with an Exercise Physiologist, who specialises in the prevention and management of chronic disease and injury through exercise.

Natural therapies

Covered for natural therapies, which includes a range services that treat patients without conventional drugs or medication. These include Alexander Technique, Homepathy, Kinesology and Naturopathy

Complementary therapies

Covered for a group of Complementary Therapies including Acupunture, Homeopathy, Naturopathy and Traditional Chinese Medicine.

Podiatry consultations

Covered for podiatry, which involves diagnosis, treatment and prevention of conditions that affect the health of the feet.

Podiatry orthoses

Covered for foot orthoses, also known as orthotics, which are shoe inserts to correct biomechanical imbalances to realign the foot and ankle.

Pharmacy

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Healthy living programs

Healthy Living Programs give you access to a range of HBF approved health services, such as flu vaccinations, weight management and quit smoking  programs. These programs are designed to prevent illness, help you make healthy lifestyle changes and manage your overall health and wellbeing.

Friendlies health check

Fully covered for a Friendlies Health Check to assess your lifestyle, diet and exercise habits. You'll receive advice on how to reduce the risk of future health problems.

Flu vaccinations

Fully covered flu vaccinations at selected Friendlies pharmacies. This annual vaccination service provides protection from the influenza virus.

Dietitian

Covered for consultations with a Dietitian, who can give nutrition and dietary advice to promote health and help with prevention and treatment of illness.

Nutritionist

Covered for consultations with a Nutritionist or Dietitian, who can provide advice on healthy eating and nutrition for health management.

Clinical psychology

Covered for consultations with a Clinical Psychologist, who can diagnose and treat mental, emotional and behavioural disorders.

Psychology

Covered for consultations with a Psychologist, who helps people experiencing difficulties in their life such as anxiety and depression.  They can also help people cope with issues such as relationship breakdowns, eating disorders and manage the effects of a chronic illness.

Occupational therapy

Covered for Occupational Therapy consultations, which help people with illnesses, injuries and emotional issues engage in everyday activities.

Speech therapy

Covered for Speech Therapy which can involve the diagnosis and treatment of communication disorders such as speaking, stuttering, listening, reading, writing and social skills.

Eye therapy

Covered for consultations with an orthoptist for eye therapy. Orthoptists help treat problems like lazy eye, eye alignment, coordination and poor focus.

Appliances

Covered for medically necessary appliances to help manage, monitor or treat a health condition. These can include splints, prosthesis, supports and braces.

Hearing aids

Covered for a hearing aid so a person with hearing loss can listen, communicate, and participate more fully in daily activities.

Travel and accommodation

Covered for Travel and Accommodation for members needing hospital and specialist services more than 200kms (100km each way) from your usual residence.

Antenatal care

Covered for antenatal classes to prepare for childbirth. Includes advice on labour, the birth and parenthood.

Urgent ambulance

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Non urgent ambulance

Covered for Non-Urgent Ambulance transport for patients who require medical care or special assistance on their journey.

Wellness

Wellness is a group of services for health management. These services include Remedial Massage, Physiology, Exercise Physiology and more.

Saver Flexi Extras

from

$5.00*

per week

Great value extras cover for 4 essential services

recommended

Saver Flexi Extras

from

$5.00*

per week

Great value extras cover for 4 essential services

recommended