Get up to 14 weeks FREE on us
Limited time offer for new members who join with hospital & extras cover. 14 weeks applied over 26 months. View full eligibility and T&Cs.
Why choose HBF family health insurance?
From the birth of your child to their first trip to the dentist, HBF family health insurance will be there to support your family’s health in the moments that matter.
Flexible extras
Parents and kids might have different health needs. Our Flex Extras give each of you flexibility to use your cover how you want.
All your kids covered for one price
Family cover doesn't get more expensive if you have more than one dependant.
No hospital excess for kids
If your kids need to go to hospital, you won't have to pay an excess. Applies to most family and single parent covers.*
Find the right health insurance for your family
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Frequently asked questions
for family health insurance
We've answered our members' most common questions about family health cover.
How long can my kids stay on my policy?
Your kids can stay on your policy if they meet the criteria of a dependant.
A dependant is a child who is under the age of 21 and is:
- covered by a family or single parent policy; and
- is not married or living in a de-facto relationship.
At HBF we also choose to cover dependants under 25 years of age provided they meet the criteria in the 2 points noted above and they:
- are a full-time student; or
- earn no more than $24,500 taxable income per calendar year.
Can I purchase maternity cover with no waiting period?
No. HBF, like most health funds, have a 12-month waiting period for pregnancy and birth. Waiting periods help to discourage people from signing up for health cover, claiming and leaving soon after, which drives premiums up for all other members of the health fund.
Still have questions?
However you want to connect with us, we’re here for you.