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Health Insurance

See our full range of Hospital and Essentials products below

Hospital and Essentials Packages

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Our combined cover health packages are a cost-effective combination of both Hospital and Essentials cover. Offering award-winning value (CANSTAR 2014), our Hospital and Essentials Packages provide great all-round cover for a wide range of services and procedures.

Young Singles Saver Twin Pack

From $13.80(i) per week

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01_Packages_YSSTP

Covers treatments young people are most likely to use, but you save by not paying to cover treatments you may not need such as maternity. Includes over 5000 hospital treatments, as well as eight Essentials services including general dental, optical and physio.
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Smart Saver Twin Pack

From $22.50(i) per week

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02_Packages_SSTP

Great all-round cover that includes maternity, so it’s ideal if you are planning to start a family. You’ll also receive benefits for 10 Essentials services such as dental, optical and physio.
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Prime Health Package

From $35.70(i) per week

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03_Packages_PHP

Covers a wide range of hospital treatment, including heart treatment, joint replacement and cataracts. It’s a great choice if you want comprehensive hospital cover without maternity. You’ll also receive benefits for a range of Essentials services such as dental, optical, physio and a fully covered Friendlies health check each year.
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Ultimate Package

From $86.80(i) per week

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04_Packages_UP

HBF Ultimate is the most comprehensive health cover in Australia. It gives you the peace of mind that comes with being fully covered for treatments in hospital, plus you can claim 90 to 100% back on a wide range of Essentials services.
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Hospital health cover

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Hospital cover lets you save money on hospital treatments, avoid public hospital waiting lists and choose your own doctor. HBF members are fully covered for 82% of medical treatments in WA hospitals and, on average, our members get 94.4% back on hospital charges.

Young Saver Hospital

From $11.45(i) per week

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01_YSS

You'll avoid public hospital waiting lists and be covered for treatment young people are most likely to use, while saving by not paying for treatment you’re not likely to need.
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Healthy Saver Hospital

From $21.40(i) per week

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02_HHS

Covers most hospital treatments including maternity and birth-related services (including IVF). This cover suits people who are planning on starting a family, and want to save by not paying for services they are not likely to use such as joint replacements and heart treatment.
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Mid Hospital

From $16.60(i) per week

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03_MH

You’ll avoid public hospital waiting lists and be covered for over 5000 hospital treatments, including heart procedures. Perfect if you want quality hospital cover but don’t want to pay for maternity cover.
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Top Hospital

From $22.70(i) per week

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04_TH

Provides comprehensive cover for hospital treatments and accommodation in a private room, to give you complete peace of mind.
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Essentials health cover

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Also knowns as extras cover, our award-winning (CANSTAR 2014) Essentials health cover is for those extra medical services outside of hospital cover and procedures. These may include services like dental, optical, urgent ambulance, physiotherapy and chiropractic.

Dental Saver

From $2.95(i) per week

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1

From just $2.95 per week, Dental Saver is the perfect choice if you just want cover for general dental and don't want to pay for other services you're not likely to use.
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Essentials Saver

From $4.35(i) per week

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2

Low cost Essentials cover for general dental and urgent ambulance, plus two services of your choice. Choose what you’ll use from major dental, optical, physio and more. You can also choose how much you want back. The different benefit levels available are Essentials Saver, Essentials Saver Mid or Essentials Saver Plus.
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Easy 8

From $8.15(i) per week

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3

Easy 8 covers eight popular Essentials services. You’ll receive a massive 80% back in benefits up to your annual combined limit on services that are important to you.
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Essentials Standard

From $6.90(i) per week

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4

Covers the most commonly used health services, including dental, optical, physio and chiro. A great choice if you want cover for a wide range of treatments at an affordable price.
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Flexi Extras

From $11.65(i) per week

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07_FI

Flexi Extras lets you choose 10 extras from 19 options, so you can tailor your cover to suit your needs. You can swap services at any time, and there are three different benefit levels to choose from.
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Extra Essentials

From $10.35(i) per week

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5

From $10.35 per week, Extra Essentials covers you for 20 extras, including general dental, optical, urgent ambulance and podiatry. Includes 70% back on dental.
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Premium Essentials

From $16.40(i) per week

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6

The name ‘premium’ says it all – this is the ideal cover if you want the flexibility to claim regularly on a wide range of services. Receive high benefits for 39 health services, including dental, chiro, physio, podiatry, optical, osteopathy, speech therapy and a full range of complementary and natural therapies.
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Additional

GapSaver

From $1.35(i) per week

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Gap_Saver

GapSaver is an easy way to put aside a little money now which you can use towards any out-of-pocket expenses if you need to go to hospital, or on ancillary treatments such as dental, optical and physio.
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Wellness

From $4.00(i) per week

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Wellness

If you want additional cover for services such as remedial massage, reflexology, yoga, pilates and travel vaccinations, Wellness is the perfect choice. Wellness is included in Premium Essentials and Ultimate, and can be added to most other Essentials or Packages covers.
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Ambulance Plus

From $0.50(i) per week

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01

Ambulance Plus gives you and your family peace of mind knowing you have comprehensive cover for urgent and non-urgent ambulance transport, and includes a $3000 limit for each person covered on your policy. Ambulance Plus can be added to any of our Hospital or Packages policies and used after only 30 days.
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