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Join eligible hospital and extras cover by 5 July 2024 and keep it to get $300 on a couple/family policy or $150 on a single/single parent policy.

Terms & conditions apply.

Do you need hospital, extras or both?

Health cover is just an umbrella term for two types of health insurance—Hospital cover and extras cover. Find out what you need with this quick guide.

Hospital cover

Covers you when you’re admitted to hospital, and will help pay for things like specialist fees, accommodation and theatre fees.

View hospital cover

Extras cover

Covers a bunch of everyday health care services Medicare generally doesn’t, like dental, glasses and physio.

View extras cover

Combined hospital and extras

If you’d like cover for hospital and extras, you can mix and match our products to create your own combined health cover.

Build your own cover

Finder Health Insurance Awards 2024 - Best Health Fund of the Year

Best Health Fund of the year 2023 & 2024

HBF Best Health Fund awarded by Finder.

Find the right hospital and extras cover for you


Choose a life stage to see popular hospital and extras cover options.
Or, you can compare all cover options

Basic Hospital Plus & Basic Extras

Low cost hospital cover for the basics, combined with extras cover for 7 services including General Dental, Optical, Physio and more.

Each person covered gets their own annual limits for extras.

Basic Hospital Plus Elevate & Flex 50

Affordable hospital cover for a selection of commonly used treatments, combined with flexible extras cover that gives 50% or more back on 14 popular services.

Each person covered gets their own annual limits for extras.


Cover to suit your needs

Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.

Why HBF is the right choice for you

Health cover for you

We’ll help you find our best cover to suit your needs while offering the value, choice and control you deserve.

There when you need us

A friendly, knowledgeable call centre and all-new app mean you’ll always be well looked after.

We're not-for-profit

We have no shareholders to pay, so members are our number one priority.

Experience you can trust

We've got over 80 years experience helping our members navigate health insurance and the healthcare system.

Member benefits

HBF health members get access to discounted gym memberships, deals on entertainment options and more.

Cover for dependents

We'll cover your kids on your policy until they turn 25. 4

HBF health members also get access to great discounts and health programs

  • Join the gym for less with discounts on gym membership6
  • Work out in style with discounts on fitness apparel6
  • We’ll help you get well with telephone health coaching and other free health programs7
  • Say goodbye to sniffles with a fully covered flu vaccination every year8

We’re here to help you get more value from your cover

Understand how your cover works and how to get the most out of it with tips and tools, plus exclusive member offers

Get a FREE gift card on us!
Get a health cover recommendation

Switching to HBF is as easy as 1, 2, 3

Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.

  1. Choose health cover that suits your needs.
  2. Buy your health cover online. If you’d prefer to chat, visit your local branch or call 133 423.
  3. Tell us the name of your old insurer and we’ll do the switching paperwork for you.

Switch to HBF

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Get in touch with HBF

We'll help you find our best cover that suits your needs.