Cover for thousands of medical procedures

With HBF, even our most basic hospital products provide cover for thousands of medical procedures. When you go to hospital, you can have total peace of mind knowing HBF will help cover the cost for important treatments. These include chemotherapy, gallbladder procedures and knee or shoulder reconstructions, as well as more common procedures like endoscopies, hernia repair, tonsil removal, grommets and wisdom teeth removal.

We’ve designed our top levels of cover to include all in-patient medical procedures listed in the Medicare Benefit Schedule (MBS). As the level of cover decreases, high-cost procedures only relevant at a certain life stage like maternity and IVF, cataracts, joint replacement and heart treatment are excluded to help keep the cost of your premium down. That means no matter what stage you’re at in life, you can choose a product that suits your needs.

You might need this if you...

  • Need elective surgery
  • Want peace of mind for unexpected hospital treatment
  • Need help financing ongoing hospital treatment

Things you need to know about cover for these medical procedures

Limits and benefits

The amount you’ll receive back on hospital treatment will depend on the medical specialists you see, and the hospital you choose to go to. To find out more about reducing your out-of-pocket costs for hospital treatment, read about our Member Plus Providers.

More information

For more information about the medical procedures and services covered on each hospital product, visit the hospital product or package page to download the policy brochure, or call us on 133 423.

Waiting period

There is a 2-month waiting period for hospital treatments included in ‘cover for thousands of medical procedures'. If a condition is pre-existing, there will be a 12-month waiting period.

We will honour waiting periods already served more info

Products that cover these medical procedures

Cover for thousands of medical procedures is a Hospital service, and is included in the following cover options.

Hospital and Extras Packages

Young Singles Saver Twin Pack
From
$17.70 (i)
per week
  • Waiting Period
    2 months (12 months for pre-existing ailments)
Smart Saver Twin Pack
From
$29.35 (i)
per week
  • Waiting Period
    2 months (12 months for pre-existing ailments)
Prime Health Package
From
$38.30 (i)
per week
  • Waiting Period
    2 months (12 months for pre-existing ailments)
Ultimate Package
From
$90.55 (i)
per week
  • Waiting Period
    2 months (12 months for pre-existing ailments)

Hospital Only

Young Saver Hospital
From
$15.50 (i)
per week
  • Waiting Period
    2 months (12 months for pre-existing ailments)
Healthy Saver Hospital
From
$28.45 (i)
per week
  • Waiting Period
    2 months (12 months for pre-existing ailments)
Mid Hospital
From
$23.20 (i)
per week
  • Waiting Period
    2 months (12 months for pre-existing ailments)
Top Hospital
From
$30.15 (i)
per week
  • Waiting Period
    2 months (12 months for pre-existing ailments)

Products for overseas visitors

Comprehensive Overseas Visitors cover
From
$61.45 (i)
per week
  • Waiting Period
    No waiting period (12 months for pre-existing)
Working Visa Hospital cover
From
$24.95 (i)
per week
  • Waiting Period
    No waiting period (12 months for pre-existing ailments)
Working Visa Hospital and Medical cover
From
$40.75 (i)
per week
  • Waiting Period
    No waiting period (12 months for pre-existing)
Standard Overseas Visitors cover
From
$25.75 (i)
per week
  • Waiting Period
    No waiting period (12 months for pre-existing)