Get up to 12 weeks FREE plus up to $200 gift card and no waits on eligible extras
For new members who start & keep eligible combined cover. Weeks free applied over 26 months. Offer ends 12 May 2026. 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?
Dependent children can stay covered on a parent or guardian’s policy until the day before they turn 31 so long as they aren’t married or in a de-facto relationship.
Learn more about Keeping your kids covered until age 31
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.