Package for couples planning kids or growing families

Covers you for a shared room in a private hospital for most treatments whilst keeping premiums affordable by excluding heart, cataracts and joint replacement procedures. Smart Saver Twin Pack includes 9 of our most commonly claimed services such as Major Dental, Orthodontics, Optical, Physio and Chiro. A perfect package for those who are planning to start or grow their family as it fully covers a private room for Maternity.

Smart Saver Twin Pack benefits

  • Claim benefits on 9 popular extras
  • Cover for thousands of medical procedures
  • Includes cover for maternity
  • No gap to pay for kids preventative dental at HBF Member Plus dentists

Includes cover for the following services

Extras services

  • General Dental

    General Dental is a service that covers the more common dental treatments you might have during a routine visit to the dentist.

    Make the most of your benefits by visiting one of HBF's Member Plus dental providers.

    Included services
    Consultations and examinations*
    Tooth Extraction*
    Fillings (direct)*
    Mouthguards*
    Scale and Clean*
    Benefits
    Select a service above for specific benefits
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Visit a Member Plus dental provider and receive 60% back and a fully covered scale and clean each calendar year. Plus there’s no gap to pay for kids on preventative dental services at Member Plus dental providers.
  • Major Dental

    Major Dental is designed to help cover the costs of more considerable treatments you receive from a dentist, prosthesist, or specialist dentist.

    It allows you more choice when you require dental treatment, and provides reassurance that if a more in-depth problem is found, you won’t be left paying large out of pocket expenses.

    Included services
    Dental Bridges*
    Dental Crowns*
    Full Dentures*
    Root canal treatment*
    Tooth coloured fillings – indirect*
    Veneer – direct*
    Veneer – indirect*
    Benefits
    Select a service above for specific benefits
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Visit a Member Plus dental provider and receive 60% back and a fully covered scale and clean each calendar year. Plus there’s no gap to pay for kids on preventative dental services at Member Plus dental providers.
  • Dental - Implants and Orthodontics

    Implants and Orthodontics Dental is designed to help you cover the higher costs of complex dental treatment.

    These procedures require treatment by a specialist Orthodontist, Periodontist or Prosthodontist, and generally involve repeat visits over a longer period of time.

    Included services
    Braces*
    Implants*
    Benefits
    Select a service above for specific benefits
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Visit a Member Plus dental provider and receive 60% back.Combined annual maximum with implants and orthodontics. Orthodontic benefits for banding is for the full course of treatment and includes all associated treatment and/or adjustments following the fitting of the appliances.
  • Chiropractic

    Chiropractors diagnose and treat health problems related to the musculoskeletal system through manipulation of the spine and other joints.

    Chiropractic treatment is used to restore mobility through the correct alignment of the spine, to enable the body to heal itself without surgery or medication.

    Included services
    Chiropractic xray - 1 pp per calendar yr*
    Initial individual consultation - 1 pp per calendar yr*
    Subsequent individual consultations*
    Benefits
    Select a service above for specific benefits
    Maximums
    $300 combined maximum for physiotherapy and chiropractic
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Maximum includes x-ray
  • Glasses

    Glasses is a service that can help you access medically necessary vision correction. Glasses aren’t a permanent solution to correct vision, but they are an accessible, flexible solution for the ongoing management of poor vision.

    Depending on what you need, our Glasses service means you can claim on complete glasses, or just lenses, depending on what you need.

    Included services
    Frames and bifocal or multifocal lenses
    Frames & single vision lenses
    Frames & tri-focal/progressive lenses
    Lenses only*
    Benefits
    Select a service above for specific benefits
    Maximums
    1 pair of glasses or 1 set of contact lenses (or up to $140 for frequent replacement/disposable lenses per year)
    $120 sub limit for frames when purchased without lenses
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    You can claim on either glasses or contact lenses each calendar year
  • Contact Lenses
    Contact Lenses can help you access medically necessary vision correction. 

    Like glasses, contact lenses are not a permanent solution to correct vision, but they are an accessible, flexible solution for the ongoing management of poor vision.

    Included services
    Contact lenses or frequently replaced lenses
    Spherical rigid or soft contact lenses
    Benefits
    Select a service above for specific benefits
    Maximums
    1 pair of glasses or 1 set of contact lenses (or up to $140 for frequent replacement/disposable lenses per year)
    $66 sub limit for frames when purchased without lenses
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    You can claim on either glasses or contact lenses each calendar year
  • Physiotherapy

    Physiotherapists diagnose and treat musculoskeletal injuries and other disorders through physical therapy.

    They can help people affected by injury, illness or disability regain and maintain movement and physical function.

    Included services
    Group consultations
    Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Initial consultation
    Subsequent consultations
    Benefits
    Select a service above for specific benefits
    Maximums
    $300 combined maximum for physiotherapy & chiropractic
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Urgent ambulance

    Covers circumstances classified by St John Ambulance as requiring urgent attention

    Benefits
    Cover for urgent ambulance transport
    Maximums
    No limit
    Waiting periods
    7 days

    We will honour waiting periods already served more info

    HBF will cover the cost for urgent ambulance transport by road only for circumstances classified by the state ambulance provider as requiring urgent attention. HBF will not pay a benefit for air ambulance services. Urgent ambulance transport covers circumstances classified by St John Ambulance as requiring urgent attention.
  • Pharmacy
    Pharmaceuticals pays a benefit on items not covered by the Government Pharmaceutical Benefits Scheme (PBS), and allows you to access a broader range of medications at an affordable cost.  

    Included services
    For pharmaceuticals listed on the HBF Pharmacy Benefit Schedule
    Benefits
    Cost of medicine less member co-payment. This may vary depending on the medication.
    Maximums
    $300 pp per yr
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    This may vary depending on the medication.
  • Podiatry consults
    Podiatrists are trained professionals who diagnose, treat and prevent conditions that affect the health of the feet. 

    Podiatrists can help you maintain the health of your feet through treatment, exercises and regular monitoring.

    Included services
    Brief consultations (clinic based)
    Comprehensive consultations (clinic based)
    Initial consultation (clinic based)
    Intermediate consultations (clinic based)
    Benefits
    Select a service above for specific benefits
    Maximums
    $200 maximum for podiatry.
    Foot Orthoses not covered.
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Friendlies Health Check

    A Friendlies Health Check is a screening tool used to assess your risk of developing Type 2 Diabetes and/or Cardiovascular Disease in the next five years.

    A Friendlies Health Check should be used in conjunction with your doctor’s advice, so you can take steps to reduce your risk of disease, improve your health and general wellbeing.

    To learn more about this service or to book your Friendlies Health Check, head to their website.

    Benefits
    One fully covered Friendlies Health Check when provided at selected Friendlies pharmacies.

    Claremont
    Falcon
    High Wycombe
    Joondanna
    Leederville
    Sorrento
    Subiaco
    Wanneroo
    Brookfield Place
    Enex100
    Hay Street
    Maximums
    One Friendlies Health Check per person per calendar year.
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Healthy Living Programs

    Healthy Living Programs give you access to a range of HBF approved health services, such as flu vaccinations, weight management programs and health checks.

    These programs are designed to prevent illness, help you make healthy changes to your lifestyle and manage your overall health and wellbeing.

    Check your product in the list below to make sure your service is covered.

    Included services
    Flu vaccinations
    Friendlies Health Check
    Friendlies 12-Week Health Program
    Health education programs
    Living Longer Living Stronger
    Quit smoking programs
    Weight management programs
    Benefits
    Select a service above for specific benefits
    Maximums
    Select a service above for specific maximums
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    For HBF approved programs only.
  • Flu Vaccinations

    Fully covered flu vaccinations at selected Friendlies pharmacies.

    Flu Vaccinations is an annual vaccination service that helps protect you from the highly variable and infectious influenza virus. Flu vaccinations are available to claim prior to the flu season in April and May.

    Benefits
    100% when provided at selected Friendlies pharmacies

    Claremont
    Falcon
    High Wycombe
    Joondanna
    Leederville
    Sorrento
    Subiaco
    Wanneroo
    Brookfield Place
    Enex100
    Hay Street
    Maximums
    1 Flu Vaccination
    $200 under 3 years
    $300 over 3 years
    Waiting periods
    2 months

    We will honour waiting periods already served more info

Hospital services

  • 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.

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Medical Gap Cover

    When medical practitioners charge more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’.

    To help avoid this, HBF makes agreements with doctors, specialists and anaesthetists so members are fully covered when they receive treatment by them.

    HBF can inform members of practitioners who have an agreement with HBF, including whether the practitioner provides fully covered or known-gap treatment.

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Psychiatric Care

    Psychiatric Care is a service that helps cover the costs of inpatient care for people suffering from mental health problems.

    This service provides attentive, in-hospital care for patients suffering from depression, anxiety, grief, trauma and other emotional and mental disorders.

    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Restricted hospital benefits apply for psychiatric care, therefore significant out-of-pocket costs may be incurred. If you would like cover for psychiatric care, consider HBF Prime Health Package or Ultimate Package.
  • Rehabilitation

    Rehabilitation is the process of restoring physical and cognitive skills to people who have been affected by a serious injury, illness or surgery.  Your surgeon will decide if you need rehabilitation services in-hospital.

    Rehabilitation can help people regain their mobility and self-sufficiency, and allow them to function in a normal or near-normal manner. For example, if a patient has suffered a stroke, participating in rehabilitation treatment may help them walk again and speak clearly.

    Waiting periods
    2 months

    We will honour waiting periods already served more info

    No benefit for procedures that are restricted or excluded on your level of cover.
  • Theatre Fees
    Theatre Fees help cover the costs associated with surgery for all agreed services included in your policy.
    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

    No benefit for procedures that are restricted or excluded on your level of cover
  • Urgent Ambulance
    Ambulance services are not free in most Australian states (Queensland and Tasmania exempt). Without cover, a patient transported by ambulance will have to pay a large out-of-pocket fee.
    Waiting periods
    7 days

    We will honour waiting periods already served more info

    HBF will cover the cost for urgent ambulance transport by road only for circumstances classified by the state ambulance provider as requiring urgent attention. HBF will not pay a benefit for air ambulance services.
  • Full cover for a shared room in an HBF Member Plus hospital (on covered services)
    Waiting periods
    2 Months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Hospital Excess

    A Hospital Excess is the amount you elect to pay up-front when you are admitted to hospital. It only needs to be paid if you, or your partner listed on your policy, goes to hospital.

    Your Hospital Excess amount is nominated in your hospital or package policy. Generally, the higher your excess, the cheaper your premium will be – however, it also means you pay more up-front if you need to go to hospital.

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Assisted Reproductive Services (including IVF)

    Assisted Reproductive Services (ARS) enables couples experiencing fertility issues to achieve pregnancy by artificial or partially artificial methods. It’s more commonly known as ‘fertility treatment’.

    In Vitro Fertilisation (IVF) is a common type of ARS. It is a service that helps women achieve pregnancy with the help of medical treatment. It is used to overcome a range of fertility issues including sperm antibodies, endometriosis or unexplained infertility. Treatment is administered by a fertility specialist, who is supported by a team of nurses, counsellors and scientists.

    ARS are separate from maternity, which is a service with its own inclusions and waiting period.

    This is simply a definition of ARS, and not an indication of what HBF covers. For more information about what HBF covers for ARS, please see 'Things you need to know about Assisted Reproductive Services'.

    Waiting periods
    2 Months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Maternity and Birth-Related Services
    Maternity and Birth-Related Services are designed to help women expecting a child access ongoing care prior to birth, during delivery and post-natal care.
    Waiting periods
    12 months

    We will honour waiting periods already served more info

  • Heart Treatment

    Heart Treatment is a service that helps cover the costs of medically necessary hospital treatment of procedures relating to the heart.

    This may include treatment for a range of conditions, including heart attacks, chest pain (angina), stroke, heart rhythm problems (arrhythmias), or heart defects you’re born with (congenital heart defects).

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

    Restricted hospital benefits apply for cardiac and cardiac related services (heart) on this level of cover. Significant out-of-pocket costs may be incurred.
  • Cataract and Eye Lens Procedures

    Cataract and Eye Lens Procedures is a service that helps cover the cost of cataract surgery in hospital.

    A cataract is a clouding of the lens in the eye, which leads to a decline in vision. The only way to correct cataracts is to undergo surgery to replace the cloudy lens with a new one. This is called an intraocular lens. It’s a relatively simple procedure that usually only takes 15-30 minutes.

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

    Restricted hospital benefits apply for cataract and eye lens procedures on this level of cover. Significant out-of-pocket costs may be incurred.
  • Full cover for a private room for maternity patients in an HBF Member Plus hospital
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    For more information on HBF Member Plus hospitals and services agreed at these facilities, please refer to HBF Member Plus hospital
  • Joint Replacement Surgery (Partial or Total)

    Joint Replacement Surgery (partial or total) is a service that helps you access surgical treatment and care by an orthopaedic surgeon.

    A total joint replacement involves an orthopaedic surgeon removing a damaged joint and putting in a new one. While a partial join replacement involves an orthopaedic surgeon replacing or fixing the damaged parts of a joint.

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

    Restricted hospital benefits apply joint replacement surgery (partial or total) on this level of cover. Significant out-of-pocket costs may be incurred.
  • Non PBS in-hospital pharmacy

    Non PBS In-Hospital Pharmacy is a service that helps you access medications when you’re admitted into hospital.

    You will be covered for most pharmaceutical items, including Pharmaceutical Benefits Scheme (PBS) gap items, when being treated at an HBF Member Plus hospital.

    Benefits
    Non-PBS pharmacy benefit is limited to $1400 per continuous hospital stay with a co-payment of $100.
    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

    Non-PBS pharmacy benefit is limited to $1400 per continuous hospital stay with a co-payment of $100 (excluding Ultimate Package)
  • Friendlies service
    Waiting periods
    No waiting period

    We will honour waiting periods already served more info

Get the most out of your HBF membership with these great Momentum member benefits:

Free outdoor fitness sessions for members
Free health check at Friendlies pharmacies1
Discount movie tickets and gym memberships
20% off Run for a Reason entry cost
Online claiming and member services with myHBF
Discounted entry at Perth Zoo, Adventure World and more

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