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Cover for your mental health

Health cover that includes mental health services for extra support when you need it most.
Get up to 12 weeks FREE plus up to $200 gift card
For new members who join and keep eligible hospital and extras cover. 12 weeks applied over 26 months. Offer ends 9 December 2025. Full eligibility and T&Cs.

Overnight hospital psychiatric treatment

Psychiatric treatment at a day hospital

Couples consultations

Family consultations

Group consultations

Individual consultations

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What is it?

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The Mental Health Waiver allows a person with eligible hospital cover to upgrade from restricted to full benefits for Hospital psychiatric services without serving the usual two month waiting period.

How does it work?

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If you have held an eligible hospital cover for two months with restricted benefits for Hospital psychiatric services, you can upgrade your cover so you will be fully covered for these services.

If you do, HBF will waive the usual two month waiting period* on Hospital psychiatric services. This mental health waiver can only be used once in your lifetime – even if you cancel your cover and re-join in the future, or switch health funds.

For more information on the Mental Health Waiver, please visit the Australian Government Department of Health’s website.

Medicare can cover some of the cost of GP appointments, mental health treatment plans (including up to 10 sessions per year with a mental health professional), support from a social worker and psychiatric services when admitted to a public hospital.

If your health professional bulk bills, Medicare will cover all eligible costs. If they don’t bulk bill, ask how much you’ll have to pay and what you’ll get back from Medicare.

For more information, visit Medicare’s website.

Benefits for telehealth services are the same as the benefits you would ordinarily be entitled to for face-to-face services and are subject to waiting periods and limits. Out-of-pocket costs may apply.

Please be aware that benefits are not payable by HBF if:

  • Medicare benefits are payable for the treatment; or
  • The requirements for telehealth benefits to be paid are not satisfied. To see these requirements the following article on Telehealth treatments.

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