Compare your hospital cover options

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SERVICES EXPLAINED

  • Included benefit

  • Restricted benefit

  • Excluded benefit

RECOMMENDED

Basic Hospital Plus

Low cost hospital cover for a few basic services, plus accident cover.
View product sheet
RECOMMENDED

Bronze Hospital Plus

Budget-friendly hospital cover for commonly used services.

View product sheet
RECOMMENDED

Silver Hospital

Affordable hospital cover for a large range of services.

View product sheet
RECOMMENDED

Silver Hospital Plus

Hospital cover for most services, excluding a few such as maternity.
View product sheet
RECOMMENDED

Gold Hospital

Top hospital cover for all services, so you can have total peace of mind.
View product sheet

HOSPITAL SERVICES BY CATEGORY

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Covered for the investigation and treatment of a hernia or appendicitis. For example, surgery to repair a hernia.

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.

Covered for the investigation and treatment of conditions (not including cataracts) affecting the eye and contents of the eye socket. For example retinal detachment and eye infections.

Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.

Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.

Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.

Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.

Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, and haemorrhoids.

Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.

Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.

Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer.

Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.

Covered for the treatment of pain without the need for a device. For example, treating nerve and chest pain due to cancer by injection of a nerve block.

Covered for the investigation and treatment of conditions relating to the skin and nails. For example, minor wound repair, removal of foreign bodies, melanoma removal and medically necessary plastic surgery.

Covered for the investigation and treatment of breast disorders and associated lymph nodes, as well as the reconstructions or reduction following medically necessary breast surgery.

Covered for the investigation and management of diabetes. For example, stabilisation of hypo or hyper glycaemia and lumps and bumps from insulin injections. This does not include treatment for diabetes-related conditions which are covered separately under relevant treatment categories.

Covered for the investigation and treatment of the lungs, chest, and mediastinum. For example, lung cancer, asthma, and trauma to the chest.

Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.

Covered for the investigation and treatment (including spinal fusion) of conditions affecting the back, neck and spinal column. For example, sciatica, and spine curvature disorders such as scoliosis.

Covered for the medically necessary investigation and treatment of any physical deformity, whether accidental, congenital, or resulting from an illness. For example, skin grafts for a severe burn.

Covered for pain treatment (including implantation, replacement, or other surgical management) using a device. For example, treating nerve pain with a neurostimulator.

Covered for the investigation of sleep patterns and sleep anomalies. For example, sleep apnoea and snoring.

Covered for the investigation and treatment of the heart, heart-related conditions, and vascular system. For example, heart attacks, varicose veins and surgical removal of a heart tumour.

Covered for your hospital accommodation, theatre fees and any prostheses associated with the treatment of conditions affecting the feet and/or ankles. For example, in-grown toenails and bunions.

HBF will pay limited benefits towards your surgeon and anaesthetist fees as these are not covered by Medicare.

Treatment must be provided by an accredited podiatric surgeon at a hospital where Podiatric Surgery is an agreed service.

Covered for treatment to correct hearing loss, including implantation of prosthetic hearing devices.

Covered for the supply and replacement of an insulin pump for the treatment of diabetes.

Covered for surgery to remove a cataract and replace with an artificial lens.

Covered for partial or total joint replacement surgery including revisions, resurfacing and removal of prostheses. For example, knee replacement surgery.

Covered for both types of dialysis (peritoneal dialysis and haemodialysis) for people experiencing chronic kidney failure.

Covered for pregnancy and child birth as well as the investigation and treatment of any related conditions.

Covered for inpatient fertility treatments or procedures. For example, IVF, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Covered for surgery designed to reduce a person’s weight, remove excess skin and reversal of a weight loss procedure. For example, gastric banding and sleeve gastrectomy.

Added Hospital Features

Covered for unlimited urgent or emergency ambulance transport or onsite treatment by an approved HBF provider, by road only (excludes air transport).

Covered for accommodation in a private or shared room at an HBF Member Plus private hospital (subject to availability). provided that your treatment is included in your hospital cover and it is an agreed service.

Waiting period

2 months

Waiting period

2 months

Waiting period

2 months

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)
 

Waiting period

7 days

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months
Included when related to covered services

Waiting period

2 months

Waiting period

2 months

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)
 

Waiting period

7 days

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months
Included when related to covered services

Waiting period

2 months

Waiting period

2 months

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)
 

Waiting period

7 days

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months

Waiting period

2 months

Waiting period

2 months

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)
 

Waiting period

7 days

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months

Waiting period

2 months

Waiting period

2 months

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

12 months

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)
 

Waiting period

7 days

Waiting period

2 months (12 months for pre-existing ailments)
RECOMMENDED
Low cost hospital cover for a few basic services, plus accident cover.
View product sheet
HOSPITAL TREATMENTS

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Waiting period

2 months

Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.

Waiting period

2 months

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Waiting period

2 months

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of a hernia or appendicitis. For example, surgery to repair a hernia.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.

Covered for the investigation and treatment of conditions (not including cataracts) affecting the eye and contents of the eye socket. For example retinal detachment and eye infections.

Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.

Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.

Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.

Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.

Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, and haemorrhoids.

Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.

Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.

Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer.

Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.

Covered for the treatment of pain without the need for a device. For example, treating nerve and chest pain due to cancer by injection of a nerve block.

Covered for the investigation and treatment of conditions relating to the skin and nails. For example, minor wound repair, removal of foreign bodies, melanoma removal and medically necessary plastic surgery.

Covered for the investigation and treatment of breast disorders and associated lymph nodes, as well as the reconstructions or reduction following medically necessary breast surgery.

Covered for the investigation and management of diabetes. For example, stabilisation of hypo or hyper glycaemia and lumps and bumps from insulin injections. This does not include treatment for diabetes-related conditions which are covered separately under relevant treatment categories.

Covered for the investigation and treatment of the lungs, chest, and mediastinum. For example, lung cancer, asthma, and trauma to the chest.

Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.

Covered for the investigation and treatment (including spinal fusion) of conditions affecting the back, neck and spinal column. For example, sciatica, and spine curvature disorders such as scoliosis.

Covered for the medically necessary investigation and treatment of any physical deformity, whether accidental, congenital, or resulting from an illness. For example, skin grafts for a severe burn.

Covered for pain treatment (including implantation, replacement, or other surgical management) using a device. For example, treating nerve pain with a neurostimulator.

Covered for the investigation of sleep patterns and sleep anomalies. For example, sleep apnoea and snoring.

Covered for the investigation and treatment of the heart, heart-related conditions, and vascular system. For example, heart attacks, varicose veins and surgical removal of a heart tumour.

Covered for your hospital accommodation, theatre fees and any prostheses associated with the treatment of conditions affecting the feet and/or ankles. For example, in-grown toenails and bunions.

HBF will pay limited benefits towards your surgeon and anaesthetist fees as these are not covered by Medicare.

Treatment must be provided by an accredited podiatric surgeon at a hospital where Podiatric Surgery is an agreed service.

Covered for treatment to correct hearing loss, including implantation of prosthetic hearing devices.

Covered for the supply and replacement of an insulin pump for the treatment of diabetes.

Covered for surgery to remove a cataract and replace with an artificial lens.

Covered for partial or total joint replacement surgery including revisions, resurfacing and removal of prostheses. For example, knee replacement surgery.

Covered for both types of dialysis (peritoneal dialysis and haemodialysis) for people experiencing chronic kidney failure.

Covered for pregnancy and child birth as well as the investigation and treatment of any related conditions.

Covered for inpatient fertility treatments or procedures. For example, IVF, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Covered for surgery designed to reduce a person’s weight, remove excess skin and reversal of a weight loss procedure. For example, gastric banding and sleeve gastrectomy.

Added Hospital Features

Covered for unlimited urgent or emergency ambulance transport or onsite treatment by an approved HBF provider, by road only (excludes air transport).

Waiting period

7 days

Covered for accommodation in a private or shared room at an HBF Member Plus private hospital (subject to availability). provided that your treatment is included in your hospital cover and it is an agreed service.

Waiting period

2 months (12 months for pre-existing ailments)
RECOMMENDED

Budget-friendly hospital cover for commonly used services.

View product sheet
HOSPITAL TREATMENTS

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Waiting period

2 months
Included when related to covered services

Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.

Waiting period

2 months

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Waiting period

2 months

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of a hernia or appendicitis. For example, surgery to repair a hernia.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions (not including cataracts) affecting the eye and contents of the eye socket. For example retinal detachment and eye infections.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, and haemorrhoids.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer.

Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the treatment of pain without the need for a device. For example, treating nerve and chest pain due to cancer by injection of a nerve block.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions relating to the skin and nails. For example, minor wound repair, removal of foreign bodies, melanoma removal and medically necessary plastic surgery.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of breast disorders and associated lymph nodes, as well as the reconstructions or reduction following medically necessary breast surgery.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and management of diabetes. For example, stabilisation of hypo or hyper glycaemia and lumps and bumps from insulin injections. This does not include treatment for diabetes-related conditions which are covered separately under relevant treatment categories.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the lungs, chest, and mediastinum. For example, lung cancer, asthma, and trauma to the chest.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment (including spinal fusion) of conditions affecting the back, neck and spinal column. For example, sciatica, and spine curvature disorders such as scoliosis.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the medically necessary investigation and treatment of any physical deformity, whether accidental, congenital, or resulting from an illness. For example, skin grafts for a severe burn.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for pain treatment (including implantation, replacement, or other surgical management) using a device. For example, treating nerve pain with a neurostimulator.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation of sleep patterns and sleep anomalies. For example, sleep apnoea and snoring.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the heart, heart-related conditions, and vascular system. For example, heart attacks, varicose veins and surgical removal of a heart tumour.

Covered for your hospital accommodation, theatre fees and any prostheses associated with the treatment of conditions affecting the feet and/or ankles. For example, in-grown toenails and bunions.

HBF will pay limited benefits towards your surgeon and anaesthetist fees as these are not covered by Medicare.

Treatment must be provided by an accredited podiatric surgeon at a hospital where Podiatric Surgery is an agreed service.

Covered for treatment to correct hearing loss, including implantation of prosthetic hearing devices.

Covered for the supply and replacement of an insulin pump for the treatment of diabetes.

Covered for surgery to remove a cataract and replace with an artificial lens.

Covered for partial or total joint replacement surgery including revisions, resurfacing and removal of prostheses. For example, knee replacement surgery.

Covered for both types of dialysis (peritoneal dialysis and haemodialysis) for people experiencing chronic kidney failure.

Covered for pregnancy and child birth as well as the investigation and treatment of any related conditions.

Covered for inpatient fertility treatments or procedures. For example, IVF, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Covered for surgery designed to reduce a person’s weight, remove excess skin and reversal of a weight loss procedure. For example, gastric banding and sleeve gastrectomy.

Added Hospital Features

Covered for unlimited urgent or emergency ambulance transport or onsite treatment by an approved HBF provider, by road only (excludes air transport).

Waiting period

7 days

Covered for accommodation in a private or shared room at an HBF Member Plus private hospital (subject to availability). provided that your treatment is included in your hospital cover and it is an agreed service.

Waiting period

2 months (12 months for pre-existing ailments)
RECOMMENDED

Affordable hospital cover for a large range of services.

View product sheet
HOSPITAL TREATMENTS

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Waiting period

2 months
Included when related to covered services

Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.

Waiting period

2 months

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Waiting period

2 months

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of a hernia or appendicitis. For example, surgery to repair a hernia.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions (not including cataracts) affecting the eye and contents of the eye socket. For example retinal detachment and eye infections.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, and haemorrhoids.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer.

Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the treatment of pain without the need for a device. For example, treating nerve and chest pain due to cancer by injection of a nerve block.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions relating to the skin and nails. For example, minor wound repair, removal of foreign bodies, melanoma removal and medically necessary plastic surgery.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of breast disorders and associated lymph nodes, as well as the reconstructions or reduction following medically necessary breast surgery.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and management of diabetes. For example, stabilisation of hypo or hyper glycaemia and lumps and bumps from insulin injections. This does not include treatment for diabetes-related conditions which are covered separately under relevant treatment categories.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the lungs, chest, and mediastinum. For example, lung cancer, asthma, and trauma to the chest.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment (including spinal fusion) of conditions affecting the back, neck and spinal column. For example, sciatica, and spine curvature disorders such as scoliosis.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the medically necessary investigation and treatment of any physical deformity, whether accidental, congenital, or resulting from an illness. For example, skin grafts for a severe burn.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for pain treatment (including implantation, replacement, or other surgical management) using a device. For example, treating nerve pain with a neurostimulator.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation of sleep patterns and sleep anomalies. For example, sleep apnoea and snoring.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the heart, heart-related conditions, and vascular system. For example, heart attacks, varicose veins and surgical removal of a heart tumour.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for your hospital accommodation, theatre fees and any prostheses associated with the treatment of conditions affecting the feet and/or ankles. For example, in-grown toenails and bunions.

HBF will pay limited benefits towards your surgeon and anaesthetist fees as these are not covered by Medicare.

Treatment must be provided by an accredited podiatric surgeon at a hospital where Podiatric Surgery is an agreed service.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for treatment to correct hearing loss, including implantation of prosthetic hearing devices.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the supply and replacement of an insulin pump for the treatment of diabetes.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for surgery to remove a cataract and replace with an artificial lens.

Covered for partial or total joint replacement surgery including revisions, resurfacing and removal of prostheses. For example, knee replacement surgery.

Covered for both types of dialysis (peritoneal dialysis and haemodialysis) for people experiencing chronic kidney failure.

Covered for pregnancy and child birth as well as the investigation and treatment of any related conditions.

Covered for inpatient fertility treatments or procedures. For example, IVF, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Covered for surgery designed to reduce a person’s weight, remove excess skin and reversal of a weight loss procedure. For example, gastric banding and sleeve gastrectomy.

Added Hospital Features

Covered for unlimited urgent or emergency ambulance transport or onsite treatment by an approved HBF provider, by road only (excludes air transport).

Waiting period

7 days

Covered for accommodation in a private or shared room at an HBF Member Plus private hospital (subject to availability). provided that your treatment is included in your hospital cover and it is an agreed service.

Waiting period

2 months (12 months for pre-existing ailments)
RECOMMENDED
Hospital cover for most services, excluding a few such as maternity.
View product sheet
HOSPITAL TREATMENTS

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Waiting period

2 months

Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.

Waiting period

2 months

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Waiting period

2 months

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of a hernia or appendicitis. For example, surgery to repair a hernia.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions (not including cataracts) affecting the eye and contents of the eye socket. For example retinal detachment and eye infections.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, and haemorrhoids.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer.

Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the treatment of pain without the need for a device. For example, treating nerve and chest pain due to cancer by injection of a nerve block.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions relating to the skin and nails. For example, minor wound repair, removal of foreign bodies, melanoma removal and medically necessary plastic surgery.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of breast disorders and associated lymph nodes, as well as the reconstructions or reduction following medically necessary breast surgery.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and management of diabetes. For example, stabilisation of hypo or hyper glycaemia and lumps and bumps from insulin injections. This does not include treatment for diabetes-related conditions which are covered separately under relevant treatment categories.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the lungs, chest, and mediastinum. For example, lung cancer, asthma, and trauma to the chest.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment (including spinal fusion) of conditions affecting the back, neck and spinal column. For example, sciatica, and spine curvature disorders such as scoliosis.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the medically necessary investigation and treatment of any physical deformity, whether accidental, congenital, or resulting from an illness. For example, skin grafts for a severe burn.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for pain treatment (including implantation, replacement, or other surgical management) using a device. For example, treating nerve pain with a neurostimulator.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation of sleep patterns and sleep anomalies. For example, sleep apnoea and snoring.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the heart, heart-related conditions, and vascular system. For example, heart attacks, varicose veins and surgical removal of a heart tumour.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for your hospital accommodation, theatre fees and any prostheses associated with the treatment of conditions affecting the feet and/or ankles. For example, in-grown toenails and bunions.

HBF will pay limited benefits towards your surgeon and anaesthetist fees as these are not covered by Medicare.

Treatment must be provided by an accredited podiatric surgeon at a hospital where Podiatric Surgery is an agreed service.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for treatment to correct hearing loss, including implantation of prosthetic hearing devices.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the supply and replacement of an insulin pump for the treatment of diabetes.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for surgery to remove a cataract and replace with an artificial lens.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for partial or total joint replacement surgery including revisions, resurfacing and removal of prostheses. For example, knee replacement surgery.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for both types of dialysis (peritoneal dialysis and haemodialysis) for people experiencing chronic kidney failure.

Covered for pregnancy and child birth as well as the investigation and treatment of any related conditions.

Covered for inpatient fertility treatments or procedures. For example, IVF, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Covered for surgery designed to reduce a person’s weight, remove excess skin and reversal of a weight loss procedure. For example, gastric banding and sleeve gastrectomy.

Added Hospital Features

Covered for unlimited urgent or emergency ambulance transport or onsite treatment by an approved HBF provider, by road only (excludes air transport).

Waiting period

7 days

Covered for accommodation in a private or shared room at an HBF Member Plus private hospital (subject to availability). provided that your treatment is included in your hospital cover and it is an agreed service.

Waiting period

2 months (12 months for pre-existing ailments)
RECOMMENDED
Top hospital cover for all services, so you can have total peace of mind.
View product sheet
HOSPITAL TREATMENTS

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Waiting period

2 months

Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.

Waiting period

2 months

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Waiting period

2 months

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of a hernia or appendicitis. For example, surgery to repair a hernia.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.

Waiting period

2 months (12 months for pre-existing ailments)