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

How does it work?

Once you're an HBF member, there are waiting periods that apply before you can receive benefits. This is a standard arrangement in the private health insurance industry.

Typical medical journey

Visit GP, receive referral to specialist

Medicare reimburses 85% of the Medicare Benefits Schedule, including the GP's consultation fee as well as any tests and examinations that were necessary to treat the illness such as x-rays and pathology tests.

Without Private Health Insurance

See specialist, receive recommendation for surgery

Medicare reimburses 85% of the Medicare Benefits Schedule, including the specialist's consultation fee as well as any tests and examinations that were necessary to treat the illness such as x-rays and pathology tests.

Join waiting list for public hospital procedure by appointed surgeon

Medicare covers most surgical procedures as well as hospital stays in a public hospital. However, it could mean spending weeks in pain or being unable to work before getting treatment. You will also have no choice for private rooms.

With Private Health Insurance

Pick your preferred specialist in a private hospital of your choosing

HBF offers the choice of doctor and private hospital, as well as timely access to treatment when you need it. HBF has more fully covered inpatient medical services than any other major health fund in WA, so you are less likely to experience out-of-pocket expenses with HBF.

Schedule surgery as promptly as required with your chosen surgeon and private hospital

At HBF, we have 38 Member Plus private hospitals in WA, more than any other health fund. On average our members are covered for 94.3% of hospital related charges in WA so if you need to go to hospital, you'll feel better knowing your final bill will be as small as possible.

Typical extras services journey

Without Private Health Insurance

Visit a dentist, optical store, physiotherapist, chiropractor etc.

Medicare does not usually provide cover for general treatment.

With Private Health Insurance

Visit a HBF Member Plus dentist, optical Store, registered physiotherapist, chiropractor, etc.

HBF has negotiated with our Member Plus providers in order to provide greater value for our members. This helps reduce your out-of-pocket expenses so you can be assured of the level of benefit you receive, based on your level of cover. HBF have more Member Plus dentists and optical stores throughout WA so there's never one too far away.

For physio/chiro, you can have certainty in how much benefit you get back based on your level of HBF cover.

Schedule surgery as promptly as required with your chosen surgeon and private hospital

At HBF, we have 38 Member Plus private hospitals in WA, more than any other health fund. On average our members are covered for 94.3% of hospital related charges in WA so if you need to go to hospital, you'll feel better knowing your final bill will be as small as possible.

How soon can I claim?

Imagine you've been paying your health insurance premiums for years, then a new member comes along, pays just enough premiums to cover their treatment period, claims and then leaves. Our long-term members will have, in effect, paid for their treatment, while they have contributed almost nothing to any treatment our long-term members may need in the future. It simply wouldn't be fair.

That's why, once you're an HBF member, there are waiting periods that apply before you can receive benefits. This is a standard arrangement in the private health insurance industry.

For hospital cover, there is also the 12 month pre-existing condition waiting period. A pre-existing condition is an illness or condition which, in the opinion of a medical practitioner (appointed by HBF), was known to exist, or where signs or symptoms were evident during the six month period before you became an HBF member (including on the day you join) or transferred to a product that may have higher benefits.

1Comparison based on PHIO State of the Health Funds Report 2011 on no gap in hospital medical services in WA for major health funds in WA.

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