New HBF digital member card
Who needs another card in their wallet? Download the digital member card and use your phone to tap and claim at a HICAPS terminal for your covered extras services.*
Dental, optical, physio and more – extras cover helps pay for the everyday services that can really add up.
Compare HBF’s flexible and affordable options below.
Our Flex 50 Extras take the guesswork out of claiming and keep your out-of-pockets to a minimum.
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Extras cover for 7 services including General Dental, Optical, Physio and more.
Each person covered gets their own annual limits for extras.
$800 flexible limit to use how you like across 12 services^, plus 50% or more back on every claim.
$1,000 flexible limit to use how you like across 12 services^, plus 60% or more back on every claim.
Extras cover that gives you 60% or more back across all services, including Orthodontics.
Each person covered gets their own annual limit for extras.
Each person covered gets their own annual limits for extras
Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.
We’re one of the largest not-for-profit health funds in Australia and with no shareholders to pay, we focus on giving more back to our members.
We’ve got over 80 years’ experience supporting our members’ health and wellbeing.
That’s why we had the lowest complaints compared to all major health funds in 20211
Mix and match our hospital and extras products to create cover that’s right for you.
Health cover is just an umbrella term for two types of health insurance—Hospital cover
extras cover. Find out what you need with this quick guide.
Covers you when you’re admitted to hospital, and will help pay for things like specialist fees, accommodation and theatre fees.
View hospital cover
Covers a bunch of everyday health care services Medicare generally doesn’t, like dental, glasses and physio.
View extras cover
If you’d like cover for hospital and extras, you can mix and match our products to create your own combined health cover.
Build your own cover
Compare cover options
It’s your health. You should be in control of it.
You can get any of our extras cover options by itself – without hospital cover.
Or, you can mix and match any extras with any of our hospital cover options.
View all cover options
Choose your cover
You can browse cover options online, or use our cover recommendation tool for a more personalised experience.
Let HBF do the paperwork
If you're switching from another health insurer, just tell us during sign up. We'll then contact you to get your member number (or policy number), and we'll contact your health insurer to organise the transfer.
Getting cover for the first time, or changing your HBF cover? Just sign up below.
Sign up online
cover options Use our recommendation tool
It may take up to 14 days for other funds to issue a Clearance Certificate. A Clearance Certificate, also called a Transfer Certificate, serves as a record of your health cover and contains information about the type and level of cover you held, when you joined, and when you cancelled. Until a certificate has been received and assessed we will not be able to finalise any claims submitted.
Use the panels below to learn more about popular health services
Extras insurance provides cover for everyday health care services that Medicare doesn't generally pay a benefit towards, such as visiting a dentist or physiotherapist. HBF offers five levels of extras cover, ranging from basic to more comprehensive cover. What you can claim for, and what benefits are available to you, depends entirely on the cover option you choose.
Compare HBF extras covers
When you purchase extras cover for the first time or update your policy, you'll likely need to serve a waiting period. A waiting period is a set amount of time during which you can't claim benefits. Once your waiting periods have been served, you'll be able to claim on the services on your cover.
Once you're ready to claim on a service covered by your policy, you can either claim on-the-spot at your provider via HICAPS (if available) or submit your claim to HBF via the following methods:
We'll review your claim and pay you any benefits you're entitled to.
Related:How do Extras insurance policies work?
Also known as ancillary cover or extras cover, extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. Extras cover can be a good thing to have because Medicare generally doesn’t cover extras services, so without extras cover you’d have to cover the full cost of treatment every time you receive a service.
If you wear glasses or contacts, or if you regularly pay for services such as the physio, chiro, dentist, remedial massage or similar, extras cover could help cover your costs.
Related:Learn more about the value of extras insurance.
Waiting periods for extras vary between health funds, but with HBF most services have a two-month waiting period, while more high-cost services (like major dental) have a waiting period of 12 months or more.
Yes. With HBF, you can purchase extras cover on its own. Extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. These services are generally not covered by Medicare.
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.
If you need pregnancy and birth cover, you can buy a singles health insurance policy with pregnancy and birth, and one without. 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.
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).
If you’re on your parents’ health cover, we will cover you on their policy until you turn 25 provided you’re not married or in a de-facto relationship and are either:
We'll help you find our best cover that suits your needs.
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