• 30 day cooling-off period.
  • Flexibility and choice.
  • Exclusive member benefits.

Looking for a provider covered by HBF?

Depending on the service or type of procedure and your level of cover, HBF Member Plus hospitals may fully cover accommodation and theatre fees for your hospital stay, less any co-payments or excess.


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Medical Provider

HBF participate in the AHSA medical gap cover arrangement, Access Gap. Choosing an Access Gap medical provider may help to eliminate or minimise out-of-pocket expenses for treatment received while admitted to hospital, also known as inpatient services.

Access Gap medical providers can choose to opt-in or opt-out of the arrangement on a patient by patient basis, we recommend that you obtain written Informed Financial Consent prior to treatment to confirm any out-of-pocket expenses.

To find out more or search for medical providers who participate in the Access Gap cover arrangement please visit AHSA's website.

Please note the Access Gap arrangement does not apply to treatment performed in Western Australia.

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Optical Providers

HBF's Member Plus optical network gives you access to a wide range of glasses including HBF's no gap range. Our major optical partners include:

Eyebenefit, Laubman & Pank, OPSM, Specsavers, VSP and SPEQS.

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Extras Providers

Depending on your type of cover, we may pay a benefit for the following providers; dentists, chiropractors, physiotherapists, osteopaths, occupational therapists, podiatrists, psychologists, speech pathologists and dietitians. To see if your provider is covered, call us on 133 423.

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