Things to look out for
GapSaver can only be used while you're an HBF member and unused benefits are not refundable, so it's important you use them while you hold an HBF membership.
It's important to note that while you can accumulate benefits over time, the benefits we pay are based on your accrued benefits at the time you received the treatment or service you are claiming for.
GapSaver can't be used for:
- Charges for procedures without an MBS item number when admitted and treated in hospital
- Any procedures or services not covered by your policy
- Any out-of-pocket expenses incurred after your Extras maximum entitlements have been reached
- Services for which you haven't completed the standard waiting periods
For more details about how GapSaver can be used, please call us on 133 423.