Health insurance for families

Family health insurance means cover for you and your loved ones. With HBF, you’ll get affordable cover to help you protect 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.

Gold Hospital Elevate & Basic Extras

You want pregnancy and birth cover and affordable extras

Gold Hospital Elevate

  • Top hospital cover for all treatments, including Pregnancy and birth
  • Cover for a hospital boarder, so your support person can stay with you2

Basic Extras

  • Affordable cover for General Dental, Optical and 5 other essential services
  • Each person covered gets their own annual limits for extras.

Gold Hospital Elevate & Flex 50

You want pregnancy and birth cover and flexible extras

Gold Hospital Elevate

  • Top hospital cover for all treatments, including Pregnancy and birth
  • Cover for a hospital boarder, so your support person can stay with you2

Flex 50

  • Get 50% or more back at the provider of your choice
  • Use your $800 combined annual limit how you want across a range of services1
  • Each person covered gets their own annual limits for extras.

Cover to suit your needs

Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.

Showing 2 combinations only. You can match your own health cover here.

Why trust HBF for your health insurance

Looking after Australians for over 80 years

We always put our members first

We're a not-for-profit organisation, so we focus on giving more back to members

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

  • Join the gym for less with discounts on gym membership3
  • Work out in style with discounts on fitness apparel3
  • We’ll help you get well with telephone health coaching and other free health programs4
  • Say goodbye to sniffles with a fully covered flu vaccination every year5

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

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Who is covered on family cover?

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.

When do my kids need to come off family cover?

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.

Is there pregnancy and birth cover with no waiting period?

No. Most health funds, including HBF, have a 12-month waiting period for pregnancy and birth 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.

How can I add or remove someone from my Family health insurance policy?

Life is rarely linear and sometimes we need to add, or remove members from our policy. If you need to change your policy as a result of an addition in the family or a change in your relationship, give us a call on 133 423.

Get in touch with HBF

We'll help you find our best cover that suits your needs.