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

Things to consider

Things to consider when choosing private health insurance

Who is covered?

You may just need to cover yourself if you are single; or if you have family living with you, such as children (dependants) you may be able to purchase cover that provides for everyone. At HBF, your dependant children can be covered on most family policies for free.

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What is covered?

Private health insurance can give you a wider range of health care options and more comprehensive cover than Medicare provides. In addition, private hospitals have more readily accessible resources for elective surgery and more personalised hospital related treatments. You may have to wait months and sometimes over a year for some procedures in the public system.

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How does it work?

There are two types of health insurance: hospital insurance and extras insurance. You can buy them separately, though most funds offer combined policies. There may be limitations on what and when you can claim with any policy you buy.

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Is there any more to pay? 

A 'gap' is the amount you pay for medical charges, over and above what you get back from Medicare and your health fund. While all health funds have gaps, we work with hospitals and doctors to keep your out-of-pocket expenses as low as possible.

Before you go to hospital, you should ask your doctor for an estimate of their costs for your in-hospital treatment, if there will be other doctors involved in your care (for example anaesthetist, assistant surgeon) and what their charges will be. They need to provide you with the item numbers for your treatment so when you phone us, we can provide you with a benefits quote

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What government incentives and surcharges affect my premiums?

You may be able to reduce how much you pay for your health cover by claiming the Australian Government Rebate on private health insurance. The rebate amount depends on your age and income.

LHC is a government initiative designed to encourage people to take out hospital insurance earlier in life and to maintain their cover.

As a new migrant to Western Australia, if you are aged 31 or over, you will not have to pay a LHC loading if you take out private hospital insurance within 12 months of being registered for Medicare. After this time you will have to pay 2% more for each year you are aged over 30 when you take out private hospital insurance.

The Medicare Levy Surcharge (MLS) is levied on payers of Australian tax who do not have appropriate private hospital cover and who earn above a certain income. The MLS aims to encourage individuals to take out private hospital cover and where possible, to use the private system to reduce the demand on the public system.


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