{{ vm.loadingText }}
from
$
{{ vm.myQuote.weeklyPrice }}/week
That's {{ vm.myQuote.totalPrice }} {{ vm.myQuote.paymentFrequency }}
Review quote
{{vm.myQuote.coverFor}} {{ vm.myQuote.coverScale }} in {{vm.myQuote.state}}, with no Australian Gov. Rebate. with a {{ vm.myQuote.rebate }}% Australian Gov. Rebate.
from ${{ vm.myQuote.product.price }}/week  
+
from ${{ vm.myQuote.extras.price }}/week  
  • Add-ons:
  • {{ addon.title}} ${{ addon.price}} /week (included)
from
$
{{ vm.myQuote.weeklyPrice }}/week
That's {{ vm.myQuote.totalPrice }} {{ vm.myQuote.paymentFrequency }}
Review quote
{{ vm.productAddedTitle }} {{ vm.productAddedSuffix }}
You're from Overseas
133 423
myQuote

Your quote

View full quote
There are no products in your quote
Package cover
{{quote.quoteValues.products.hospitalAndEssentials.title}}
Hospital cover
{{quote.quoteValues.products.hospital.title}}
Select a Hospital product
Ambulance cover
{{quote.quoteValues.products.ambulance.title}}
Select an Ambulance product
Overseas cover
{{quote.quoteValues.products.overseas.title}}
Select an Overseas product
Extras cover
{{quote.quoteValues.products.essentials.title}}
Select an Extras product
Add-ons
{{item.title}}
Select an Additional product
total {{quote.userValues.paymentFrequency}}${{quote.quoteValues.premium|number:2}}*

Fast checkout

Loading... Check out Continue

*Price may be subject
to change upon checkout.

  • Exclusive member benefits.
  • Largest health fund in WA
  • 30 day cooling-off period.

Health insurance

Information on premium changes

Thanks for stopping by to find out more. Sometimes getting your head around your private health insurance can be tricky. That's why we've put together some information about the latest premium changes.

As a not-for-profit fund, we work hard to keep our members' health cover as affordable as possible. With the ever-increasing costs of medical technology and healthcare delivery, we (like all funds) review our premiums and benefits annually to ensure we can provide the cover you need. The good news is, that on average, our member benefits increase more each year than our premiums.

Why does HBF need a premium increase?

We don't like putting premiums up and understand that our members don't like it either. We need to lift rates to ensure we can provide the benefits our members need. The average increase in benefits we paid members last financial year (6.66%) was greater than our average premium increase this year (4.94%).

What can I do to lower my premium?

There are things you can do to lower your premium, like increasing your excess or removing services you don't use from your policy. But cost is just one half of what to consider when it comes to your health cover. It's just as important to consider what value for money you're receiving. To get the most value from your health cover, you really need a policy that's suited to your specific health needs.

Why are some products increasing by more than others?

HBF’s publicised increase of 4.94% is the average of the increases across all our products and the actual price increases for different products may be higher or lower than this average. The price increase for any individual product will depend on a range of factors, including the benefits we’ve paid against this product in the previous year and expect to pay in the coming year. 

Isn’t HBF increasing its premiums to lift its profits?

No. We're a Members Own fund, which means we're not-for-profit. In fact, we aspire to have a group net operating margin of less than 1%. As a Members Own fund, we only ever increase premiums to cover the cost of claims and to hold the reserves we need to operate responsibly and meet our legislative requirements.

Why should I keep my private health cover?

At a time when the public health system is under real strain, private health insurance is the only way you know you can access quality care, with a choice of medical specialist at the time and place of your choosing. And remember, Medicare doesn’t generally cover dental treatment and other extras services.

Why should I stay with HBF?
More Western Australians who take out health cover choose HBF than any other fund for very good reasons: 
  • As a not-for-profit fund we have no shareholders – only members.
  • We offer excellent value for money. Canstar’s 2015 independent review of health funds named our Extras cover the number one option in WA for Outstanding Value.
  • HBF has arrangements with more hospitals in WA than any other major fund.
  • We have more Member Plus dentists in WA than any other fund.
  • As part of HBF Momentum, members receive free outdoor fitness, discounted gym memberships, movie tickets, entry to fitness events and much more.
  • Eligible members receive 100% back on an annual health check at selected Friendlies Pharmacies.
  • We have the biggest network of branches in the State.  
  • We have Hospital Liaison Officers in major private hospitals – providing advice and help to our members when they need it most.  
  • Our members are happier – we receive the least complaints to the Private Health Insurance Ombudsman of all funds, relative to market share.
  • We are focused on providing health cover for Western Australians – and have been around for 75 years.

It looks like you're from Outside Australia

We need to confirm your location to show you the correct content, products and pricing.

No, I'm not from Outside Australia

Sorry, your product selection isn't available if you live outside Western Australia.

Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.

You're about to see content designed for people outside WA.

Content, products and pricing information is different if you live in Western Australia.

Oops! This product isn't available in your state

The product you’ve selected isn’t available for purchase in your state.

Please select your state or territory

We need to confirm your location to show you the correct content, products and pricing.

Change your state or territory

If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location.

WA NSW VIC SA TAS NT QLD ACT I'm visiting from outside of Australia
Would you like personalised pricing? Add product to your quote Edit your details
To show accurate prices relevant to you, we need to know a little about you first. Thanks for selecting your product. So we can proceed with your quote, please fill in the following details.
I want cover for:
Singles
Couples
Families
Single parent families
Please select your cover type
Are you an Australian resident?
Hospital or package products in your quote may not be suitable for overseas visitors. If you continue, we'll remove these from your quote.
Overseas visitor products in your quote may not be suitable if you are an Australian resident. If you continue, we'll remove these from your quote.
Hospital or package products are not suitable for overseas visitors.
Overseas visitor products are not suitable if you are an Australian resident.
Which type of visa do you hold?
Please select your Visa type
Please specify your Visa number
Please enter your 3-digit Visa number
Is your visa subject to the 8501 condition?
Please specify your choice
What is your DOB?
  • Please enter your birth date
    Our products are suitable for ages 18 to 101
    Australian Government Rebate
    Where do you live?
    Please select where you live.
    Sorry, your product selection isn't available if you live in {{vm.stateLabel()}}. Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.
    Now that you've confirmed your location, we'll refresh the page with the most relevant content, products and pricing.
    Your product selection isn't available if you live in {{vm.stateLabel()}}. If you continue, we'll remove these from your quote and refresh the page with the most relevant content, products and pricing.
    You've changed your location. If you continue, we'll refresh the page to make sure you have the most relevant content, products and pricing.
    How often do you want to pay?
    Cancel (this option will show estimated pricing only). Cancel Cancel
    Find my cover
    Add to quote
    Save your details