Add-on health cover

GapSaver

GapSaver helps you put aside a little money now that you can use to cover out-of-pocket expenses later. That includes covering gaps for things like visits to the dentist, physio or hospital.

Four levels of GapSaver cover are available to suit your budget

Your GapSaver dollars never expire so if you don’t use it one year, it’ll still be there for you when you need it

from

$1.45

per week

Based on 25.415% Australian Government Rebate on private health insurance with 0% Lifetime Health Cover loading.

View our cover options

GapSaver can only be used on eligible services that are covered on your policy.

How does GapSaver work?

When you go to hospital or visit an extras service provider like a dentist or physio, HBF helps cover the cost. In some cases, HBF might not cover the full cost, which is when a ‘gap’ can occur.

GapSaver is a way of putting aside money every time you pay your premiums. Over time, that money adds up. When you make a claim and it’s not fully covered, you’ll be able to bridge that gap between the cost of your treatment and what HBF covers with your GapSaver dollars. That way, you can reduce the amount you pay out of your own pocket.

It is important to note that any balance in your GapSaver account is not refundable when you cease being an HBF member.

The part of your bill HBF covers

Your remaining ‘gap’

How is a GapSaver balance calculated?

Choose from four GapSaver cover options, depending on how much you would like to put aside per year.

Level of cover 25.415% Gov. rebate 16.943% Gov. rebate 8.471% Gov. rebate No Gov. rebate
GapSaver $100 $73.65 $82.05 $90.40 $100
GapSaver $200 $147.35 $164.10 $180.85 $200
GapSaver $400 $296.65 $330.40 $364.10 $400
GapSaver $600 $446.00 $496.65 $547.30 $600
Level of cover 25.415% Gov. rebate 16.943% Gov. rebate 8.471% Gov. rebate No Gov. rebate
GapSaver $200 $147.35 $164.10 $180.85 $200
GapSaver $400 $296.65 $330.40 $364.10 $400
GapSaver $800 $595.30 $662.95 $730.55 $800
GapSaver $1200 $893.95 $995.50 $1097.05 $1200

Overseas visitor cover members who hold an Extras product are able to purchase GapSaver but it can only be used towards Extras out-of-pocket expenses. For more information about GapSaver, download the GapSaver PDS (PDF).