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.