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.