There are generally three categories of membership that provide cover for individuals and family groupings:
A dependent is an unmarried person under the age of 18 years. At HBF, we choose to continue cover for your children up to the age of 25, provided they are not married or living in a de-facto relationship and are either:
- Not earning a taxable income of more than $21,250 pa; or
- A full time student
Private health insurance is 'community-rated'. This means that everyone is entitled to buy the same product, at the same price, no matter your age, gender or health condition. An exception is if you join after the age of 31 and have to pay the Government's Lifetime Health Cover loading.