GapSaver can be added to most Hospital, Extras or Packages policy and there are four levels to choose from.
Your GapSaver balance accumulates year after year until you use it. So your balance continues rolling over even if you don't use it and you can use any GapSaver benefits you've accrued (at the date of service) as long as you have HBF health cover (they don't expire each year).
Below is what you could pay and accrue for each level. Depending on your income you may be eligible to receive a rebate of up to 25.934% with the Australia Government Rebate on private health insurance. This means you can accrue more GapSaver dollars than you pay in premiums.
Choose from four levels of GapSaver cover