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.

New members get a FREE gift card on us!
Join eligible hospital and extras cover by 5 July 2024 and keep it to get $300 on a couple/family policy or $150 on a single/single parent policy.
Terms & conditions apply.

Learn more

Why choose HBF family cover?

100% back^

The whole family gets 100% back on their first dental scale and clean each year.^

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 dependent.

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

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

Bronze Hospital Plus & Flex 60

You want budget-friendly cover for a range of treatments

Bronze Hospital Plus

  • Budget-friendly hospital cover for a range of treatments such as Lung and chest
  • Choice of a higher excess to reduce your premium

Flex 60

  • Get 60% or more back at the provider of your choice
  • Use your $1,000 combined annual limit how you want across a range of services1
  • Each person covered gets their own annual limits for extras.

Silver Hospital & Complete 60

You want great value cover for many treatments

Silver Hospital

  • Great value hospital cover for many treatments including Heart and vascular system and Implantation of hearing devices
  • Choice of a higher excess to reduce your premium

Complete 60

  • Cover for all extras services
  • Get 60% or more back at the provider of your choice
  • Each person covered gets their own annual limits for extras.

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

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.

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 my family health cover policy?

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.

How long can my kids stay on my family health insurance policy?

We will cover your kids on your policy until they turn 25, provided they're not married or in a de-facto relationship. If they're 21 years of age and over, they must either be studying full time or earning less than $24,500 per year.

Is there a health insurance policy with no waiting periods for pregnancy and birth?

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.

Can you add or remove someone from a family health insurance policy?

Life is rarely linear and sometimes we need to add, or remove members from our policy. If you need to make a change to your policy by adding or removing a dependant or a partner, give us a call on 133 423.

Get in touch with HBF

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