Health insurance for families

Being a family means protecting your loved ones... on a budget. Get peace of mind with HBF at a price that works for your family.

Find the right health insurance for your family

Choose your life stage and we'll show health cover options that include the services families like yours care about most.

Bronze Hospital Plus & Saver Flexi Extras

You don’t want private maternity cover – you just want the basics for your family

Bronze Hospital Plus

  • Cover for common services including colonoscopies, chemotherapy and more
  • Choice of a higher excess to reduce your premium

Saver Flexi Extras

  • Cover for General Dental and Urgent Ambulance, plus 2 more services of your choice
  • Swap your 2 services at any time8

Gold Hospital & Standard Extras

You want private maternity cover and a range of Extras services

Gold Hospital

  • Cover for all hospital services, including maternity
  • Cover for a hospital boarder, so your partner can stay with you2

Standard Extras

  • Extras cover for 17 common services including Optical, General Dental and Major Dental
Showing 2 combinations only. You can mix & match your own health cover here.

Why you can trust HBF with your health cover

Kids covered for free

We’ll cover your kids for free on your family policy up until they turn 25, so long as they meet certain eligibility criteria.1

Stay in a private room

All our Hospital cover options include cover for a private room at a private or public hospital1.

Avoid the Medicare Levy Surcharge

Taking out any one our Hospital cover options will help you avoid the Medicare Levy Surcharge tax.

Higher annual limits for loyal members

On most of our Extras cover options, we reward our loyal members by increasing the amount you can claim the longer you stay with us3 4.

Unlimited preventative dental

Claim as many times as you like during the year for preventative dental services like scale & cleans and dental x-rays with HBF Extras cover3 4.

Unlimited urgent ambulance

Urgent ambulance cover by road for as many trips as you need. Available on most Hospital and Extras cover options3.

HBF health members also get access to great discounts and health programs

  • Get fit for free with group fitness sessions run by qualified Personal Trainers
  • Keep the kids entertained with discounts on movie tickets6
  • Work out in style with discounts on fitness apparel6
  • We’ll help you get well with telephone health coaching and other free health programs7
  • Say goodbye to sniffles with a free flu vac every year7

Switching to HBF is as easy as 1, 2, 3

Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.

  1. Choose health cover that suits your needs.
  2. Buy your health cover online. If you’d prefer to chat, visit your local branch or call 133 423.
  3. Tell us the name of your old insurer and we’ll do the switching paperwork for you.

Switch to HBF

On family cover, you, your partner and your kids (no matter how many you have!) are covered. Just remember to add your kids to your policy.

We will cover your kids on your policy until they turn 25, provided they’re not married or in a de-facto relationship and are studying fulltime or earning less than $24,500 per year.

No. Most health funds, including HBF, have a 12-month waiting period for maternity cover. This helps stop people from signing up for health cover, claiming and leaving, which drives up premiums for the health fund’s other members.

HBF is a not-for-profit health fund, which means we’ll always be there for you, not shareholders.