Australia's lowest average premium increase
We’ve worked exceptionally hard to make our 2020 premium increase the lowest of all 35 health insurers in Australia. HBF’s CEO, John Van Der Wielen shares how we achieved this result.
Cover to suit your needs
Tell us a little about yourself and your health needs, and in two to three minutes we'll find our best cover to suit your needs.
Standard Overseas Visitors cover & Basic Extras
Standard Overseas Visitors cover
Standard Overseas Visitors cover & Standard Extras
Working Visa Hospital cover & Saver Flexi Extras
Working Visa Hospital cover
Saver Flexi Extras
Working Visa Hospital and Medical cover & Standard Extras
Working Visa Hospital and Medical cover
No matter where you are in Australia, you can have peace of mind you’ll be covered for a shared room at a private or public hospital.
Claim as many times as you like during the year for preventative dental services like scale & cleans and dental x-rays with HBF Extras cover3 4.
Urgent ambulance cover by road for as many trips as you need. Available on most Hospital and Extras cover options3.
If you need someone to stay with you while you’re in hospital, we’ll cover the cost of their meals and accommodation2.
We’ll cover up to $400 towards the cost of buying or hiring crutches or wheelchairs to get you up and about sooner.
On most of our Extras cover options, we reward our loyal members by increasing the amount you can claim the longer you stay with us3 4.
Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.
Switch to HBF
A reciprocal health care agreement is an agreement between two countries to cover certain health care costs. If your country has a reciprocal health care agreement with Australia, you will be covered for certain health care costs while you’re in Australia, while Australians visiting your country will enjoy the same benefits. The United Kingdom is one of the many countries that has an agreement with Australia. For more information and to find out if you qualify, visit the Department of Human Services’ website.
Yes. Even if you have a pre-existing condition, you will be able to buy health insurance for your stay in Australia. You will just have to have served a 12-month waiting period before you can claim on any pre-existing conditions.
It depends on whether you need to be admitted to hospital. With HBF health cover, if you need to be admitted to hospital for treatment, there is a 12-month waiting period for maternity and pre-existing conditions, and 2 months for all other services. However, if you just need outpatient medical treatment (for example, consultations with a General Practitioner or emergency ward care) there is no waiting period.
We’ll help you find the right cover for your needs and budget.
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