Ideal for older singles and couples

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 extras such as dental, optical, physio and a fully covered Friendlies health check each year.

Prime Health Package benefits

  • Cover for 5,000+ hospital treatments
  • Fully covered for a shared room at a Member Plus hospital
  • High benefits for 16 extras services
  • Includes cover for joint replacements

Includes cover for the following services

Extras services

  • General Dental

    General Dental is a service that covers the more common dental treatments you might have during a routine visit to the dentist.

    Make the most of your benefits by visiting one of HBF's Member Plus dental providers.

    Included services
    Consultations and examinations
    Tooth Extraction
    Fillings (direct)
    Mouthguards
    Scale and Clean
    Benefits
    Select a service above for specific benefits
    Maximums
    $3500

    Combined $3500 maximum for general dental, major dental, implants and orthodontics
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Visit a Member Plus dental provider and receive 70% back on general dental, major dental, implants and orthodontics plus a fully covered scale and clean each year. There’s no gap to pay for kids on your policy for preventative dental services at Member Plus providers up to your yearly maximum.
  • Major Dental

    Major Dental is designed to help cover the costs of more considerable treatments you receive from a dentist, prosthesist, or specialist dentist.

    It allows you more choice when you require dental treatment, and provides reassurance that if a more in-depth problem is found, you won’t be left paying large out of pocket expenses.

    Included services
    Dental Bridges
    Dental Crowns
    Full Dentures
    Root canal treatment
    Tooth coloured fillings – indirect
    Veneer – direct
    Veneer – indirect
    Benefits
    Select a service above for specific benefits
    Maximums
    $3500

    Combined $3500 maximum for general dental, major dental, implants and orthodontics
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Visit a Member Plus dental provider and receive 70% back on general dental, major dental, implants and orthodontics plus a fully covered scale and clean each year. There’s no gap to pay for kids on your policy for preventative dental services at Member Plus providers up to your yearly maximum.
  • Dental - Implants and Orthodontics

    Implants and Orthodontics Dental is designed to help you cover the higher costs of complex dental treatment.

    These procedures require treatment by a specialist Orthodontist, Periodontist or Prosthodontist, and generally involve repeat visits over a longer period of time.

    Included services
    Braces
    Implants
    Benefits
    Select a service above for specific benefits
    Maximums
    $3500

    Combined $3500 maximum for general dental, major dental, implants and orthodontics
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Visit a Member Plus dental provider and receive 70% back. Combined annual maximum with implants and orthodontics. There is a $2500 sub-limit for implants and orthodontics. Orthodontic benefits for banding is for the full course of treatment and includes all associated treatment and/or adjustments following the fitting of the appliances
  • Chiropractic

    Chiropractors diagnose and treat health problems related to the musculoskeletal system through manipulation of the spine and other joints.

    Chiropractic treatment is used to restore mobility through the correct alignment of the spine, to enable the body to heal itself without surgery or medication.

    Included services
    Chiropractic xray - 1 pp per calendar yr
    Initial individual consultation - 1 pp per calendar yr
    Subsequent individual consultations
    Benefits
    Select a service above for specific benefits
    Maximums
    $1000

    Combined $1000 limit for chiropractic, osteopathy and physiotherapy
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Maximum includes x-ray
  • Glasses

    Glasses is a service that can help you access medically necessary vision correction. Glasses aren’t a permanent solution to correct vision, but they are an accessible, flexible solution for the ongoing management of poor vision.

    Depending on what you need, our Glasses service means you can claim on complete glasses, or just lenses, depending on what you need.

    Included services
    Frames and bifocal or multifocal lenses
    Frames and multi-focal lenses
    Frames & single vision lenses
    Lenses only
    Benefits
    Select a service above for specific benefits
    Maximums
    1 pair of glasses or 1 set of contact lenses
    (or up to $140 for frequent replacement/disposable lenses per year).
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Contact Lenses
    Contact Lenses can help you access medically necessary vision correction. 

    Like glasses, contact lenses are not a permanent solution to correct vision, but they are an accessible, flexible solution for the ongoing management of poor vision.

    Included services
    Bi-focal progressive lenses
    Contact lenses or frequently replaced lenses
    Frequent replacement disposable contact lenses
    Spherical rigid or soft contact lenses
    Toric – rigid or soft lenses
    Benefits
    Select a service above for specific benefits
    Maximums
    1 pair of glasses or 1 set of contact lenses (or up to $140 disposable for frequent replacement/disposable lenses per year).
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Osteopathy

    Osteopaths identify and treat bone, joint and other disorders through massage and the manipulation of muscle tissue and bones.

    Osteopaths can help relieve neck or back pain, sports injuries and recurring headaches, as well as help improve general health and wellbeing.

    Included services
    Initial individual consultation - 1 pp per calendar yr
    Subsequent individual consultations
    Benefits
    Select a service above for specific benefits
    Maximums
    $1000

    $1000 combined maximum for chiropractic, osteopathy and physiotherapy
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Physiotherapy

    Physiotherapists diagnose and treat musculoskeletal injuries and other disorders through physical therapy.

    They can help people affected by injury, illness or disability regain and maintain movement and physical function.

    Included services
    Group consultations
    Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Initial consultation
    Subsequent consultations
    Benefits
    Select a service above for specific benefits
    Maximums
    $1000

    $1000 combined maximum for chiropractic, osteopathy and physiotherapy
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Maximum includes x-ray
  • Urgent ambulance

    Covers circumstances classified by St John Ambulance as requiring urgent attention

    Benefits
    Cover for urgent ambulance transport
    Maximums
    No limit
    Waiting periods
    7 days

    We will honour waiting periods already served more info

    HBF will cover the cost for urgent ambulance transport by road only for circumstances classified by the state ambulance provider as requiring urgent attention. HBF will not pay a benefit for air ambulance services. Urgent ambulance transport covers circumstances classified by St John Ambulance as requiring urgent attention.
  • Aids to Recovery Equipment

    Aids to Recovery Equipment is a service that can help you access medically necessary equipment or devices.

    This means we’ll pay a benefit towards the cost of an approved device that assists you in your recovery and return to health. 

    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Aids to Recovery Equipment

    Aids to Recovery Equipment is a service that can help you access medically necessary equipment or devices.

    This means we’ll pay a benefit towards the cost of an approved device that assists you in your recovery and return to health. 

    Benefits
    100%
    Maximums
    $50 pp yr
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Pharmacy
    Pharmaceuticals pays a benefit on items not covered by the Government Pharmaceutical Benefits Scheme (PBS), and allows you to access a broader range of medications at an affordable cost.  

    Included services
    For pharmaceuticals listed on the HBF Pharmacy Benefit Schedule
    Benefits
    Cost of medicine less member co-payment. This may vary depending on the medication.
    Maximums
    $200 under 3 yrs
    $300 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    This may vary depending on the medication.
  • Podiatry consults
    Podiatrists are trained professionals who diagnose, treat and prevent conditions that affect the health of the feet. 

    Podiatrists can help you maintain the health of your feet through treatment, exercises and regular monitoring.

    Included services
    Brief consultations (clinic based)
    Comprehensive consultations (clinic based)
    Initial consultation (clinic based)
    Intermediate consultations (clinic based)
    Benefits
    Select a service above for specific benefits
    Maximums
    12 consultations
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Foot Orthoses (Podiatry)

    Foot orthoses (also called orthotics) are shoe inserts that help support the feet, improve foot posture and correct any imbalances. These can either be selected ‘off the shelf’ or made from scratch using a plaster cast of your foot.

    Foot orthoses can help treat chronic foot or leg problems, including corns and calluses, foot ulceration, tendonitis and recurring ankle sprains. A Podiatrist can help design and fit foot orthoses to your feet.

    Included services
    Diagnostic testing and biomechanical evaluation
    Foot orthoses - including casting
    Benefits
    Select a service above for specific benefits
    Maximums
    Select a service above for specific maximums
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Foot orthoses must be medically necessary and custom-made from one of the following providers approved by HBF: podiatrist, orthotist, pedorthist or surgical bootmaker.
  • Appliances

    Appliances is a service that can help you access medically necessary equipment, devices or aids.

    This means we’ll pay a benefit towards the cost to purchase or hire an approved health aid that assists you in managing, monitoring or treating a condition.

    Included services
    Aids to recovery
    Blood Glucose Monitor
    Charges for most appliances
    Nebuliser
    Benefits
    Select a service above for specific benefits
    Maximums
    Select a service above for specific maximums
    Waiting periods
    1–2 yrs depending on appliance

    We will honour waiting periods already served more info

  • Clinical Psychology

    Clinical Psychology aims to assess, diagnose and treat mental illness, abnormal behaviour and psychiatric problems.

    Clinical psychologists are highly trained in the delivery of therapies that assist in treating mental health disorders. These may range from mild, to severe and complex.

    Included services
    Assessment
    Consultations
    Couple or family treatment
    Group treatment
    Individual treatment/management
    Benefits
    $44
    Maximums
    $720
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Provider must be registered with the relevant national board with an endorsement of clinical psychology, and approved by HBF.
  • Dietetics

    Dietetics is a service that helps you access the advice of Dietitian. Dietitians help promote healthy living to prevent and treat illness.

    They can advise you on what to eat and help you make healthier lifestyle choices in order to achieve specific health-related goals.

    Included services
    Group consultations
    Initial individual consultation
    Subsequent individual consultations
    Benefits
    Select a service above for specific benefits
    Maximums
    $240 p.p. per yr
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Hearing Aids

    Hearing Aids is a service that helps cover the costs associated with getting a personal Hearing Aid. A Hearing Aid is a miniature amplification system that’s worn in, or behind, the ear in order to enhance sound.

    Hearing Aids don’t correct hearing loss, but help make sounds more accessible for those with impaired hearing.

    Benefits
    $550 over 3 & up to 5 yrs
    $600 over 5 & up to 10 yrs
    $650 over 10 yrs
    Maximums
    One p.p. per 5 yrs under 15 yrs
    One p.p. per 3 yrs over 15 yrs
    Waiting periods
    36 months

    We will honour waiting periods already served more info

  • Occupational Therapy

    Occupational Therapists assess how you engage with a task or experience, and the environment in which it takes place. They are then able to help you modify your action, thinking or environment, in order to better support your wellbeing.

    Included services
    Group consultations
    Initial individual consultation
    Other individual consultations - less than 30 mins
    Other individual consultations - more than 30 mins
    Benefits
    Select a service above for specific benefits
    Maximums
    $600 under 3 yrs
    $900 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Occupational therapy,Speech therapy and Orthoptics eye therapy maximums combined
  • Eye Therapy (Orthoptics)

    Eye Therapy is a service that helps you access the care of an Orthoptist. Orthoptists are eye health professionals who detect, diagnose and manage eye disorders in adults and children, without the need for surgery. 

    They work collaboratively with optometrists and ophthalmologists (eye surgeons) to help keep eyes healthy.

    Included services
    Colour vision test – 1 pp per calendar yr
    Individual consultations – over 30 mins
    Individual consultations – up to 30 mins
    Visual field test – 2 pp per calendar yr
    Benefits
    $45
    Maximums
    $600 under 3 yrs
    $900 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Occupational therapy, Speech therapy and Orthoptics eye therapy maximums combined
  • Speech Therapy
    Speech Therapists help diagnose and treat people with communication and swallowing disorders. 

    They assist people of all ages (including babies and children) with a range of problems, including speech, language and fluency difficulties, and trouble swallowing.
    Included services
    Group consultations
    Initial individual consultation – 45 to 90 minutes
    Initial individual consultation – Up to 45 minutes
    Subsequent individual consultations – 45 to 90 minutes
    Subsequent individual consultations – Up to 45 minutes
    Benefits
    Select a service above for specific benefits
    Maximums
    $600 under 3 yrs
    $900 over 3 yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Occupational therapy, Speech therapy and Orthoptics eye therapy maximums combined
  • Friendlies Health Check

    A Friendlies Health Check is a screening tool used to assess your risk of developing Type 2 Diabetes and/or Cardiovascular Disease in the next five years.

    A Friendlies Health Check should be used in conjunction with your doctor’s advice, so you can take steps to reduce your risk of disease, improve your health and general wellbeing.

    To learn more about this service or to book your Friendlies Health Check, head to their website.

    Benefits
    One fully covered Friendlies Health Check when provided at selected Friendlies pharmacies.

    Claremont
    Falcon
    High Wycombe
    Joondanna
    Leederville
    Sorrento
    Subiaco
    Wanneroo
    Brookfield Place
    Enex100
    Hay Street
    Maximums
    One Friendlies Health Check per person per calendar year.
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Healthy Living Programs

    Healthy Living Programs give you access to a range of HBF approved health services, such as flu vaccinations, weight management programs and health checks.

    These programs are designed to prevent illness, help you make healthy changes to your lifestyle and manage your overall health and wellbeing.

    Check your product in the list below to make sure your service is covered.

    Included services
    Flu vaccinations
    Friendlies Health Check
    Friendlies 12-Week Health Program
    Health education programs
    Living Longer Living Stronger
    Quit smoking programs
    Weight management programs
    Benefits
    Select a service above for specific benefits
    Maximums
    Select a service above for specific maximums
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    For HBF approved programs only.
  • Flu Vaccinations

    Fully covered flu vaccinations at selected Friendlies pharmacies.

    Flu Vaccinations is an annual vaccination service that helps protect you from the highly variable and infectious influenza virus. Flu vaccinations are available to claim prior to the flu season in April and May.

    Benefits
    100% when provided at selected Friendlies pharmacies.

    Claremont
    Falcon
    High Wycombe
    Joondanna
    Leederville
    Sorrento
    Subiaco
    Wanneroo
    Brookfield Place
    Enex100
    Hay Street
    Maximums
    1 Flu Vaccination
    $250 under 3 years
    $350 under 3 years
    Waiting periods
    2 months

    We will honour waiting periods already served more info

Hospital services

  • Medical Gap Cover

    When medical practitioners charge more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’.

    To help avoid this, HBF makes agreements with doctors, specialists and anaesthetists so members are fully covered when they receive treatment by them.

    HBF can inform members of practitioners who have an agreement with HBF, including whether the practitioner provides fully covered or known-gap treatment.

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Psychiatric Care

    Psychiatric Care is a service that helps cover the costs of inpatient care for people suffering from mental health problems.

    This service provides attentive, in-hospital care for patients suffering from depression, anxiety, grief, trauma and other emotional and mental disorders.

    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Rehabilitation

    Rehabilitation is the process of restoring physical and cognitive skills to people who have been affected by a serious injury, illness or surgery.  Your surgeon will decide if you need rehabilitation services in-hospital.

    Rehabilitation can help people regain their mobility and self-sufficiency, and allow them to function in a normal or near-normal manner. For example, if a patient has suffered a stroke, participating in rehabilitation treatment may help them walk again and speak clearly.

    Waiting periods
    2 months

    We will honour waiting periods already served more info

    No benefit for procedures that are restricted or excluded on your level of cover.
  • Urgent Ambulance
    Ambulance services are not free in most Australian states (Queensland and Tasmania exempt). Without cover, a patient transported by ambulance will have to pay a large out-of-pocket fee.
    Waiting periods
    7 days

    We will honour waiting periods already served more info

    HBF will cover the cost for urgent ambulance transport by road only for circumstances classified by the state ambulance provider as requiring urgent attention. HBF will not pay a benefit for air ambulance services.
  • Full cover for a shared room in an HBF Member Plus hospital (on covered services)
    Waiting periods
    2 Months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Hospital Excess

    A Hospital Excess is the amount you elect to pay up-front when you are admitted to hospital. It only needs to be paid if you, or your partner listed on your policy, goes to hospital.

    Your Hospital Excess amount is nominated in your hospital or package policy. Generally, the higher your excess, the cheaper your premium will be – however, it also means you pay more up-front if you need to go to hospital.

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Podiatric surgery

    Podiatrists are trained professionals who diagnose, treat and prevent conditions that affect the health of the feet.

    Podiatrists can help you maintain the health of your feet through treatment, exercises and regular monitoring.

    Waiting periods
    2 months (12 months pre-existing ailments)

    We will honour waiting periods already served more info

    Limited hospital benefits apply therefore out-of-pocket costs may be incurred.
  • Heart Treatment

    Heart Treatment is a service that helps cover the costs of medically necessary hospital treatment of procedures relating to the heart.

    This may include treatment for a range of conditions, including heart attacks, chest pain (angina), stroke, heart rhythm problems (arrhythmias), or heart defects you’re born with (congenital heart defects).

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Cataract and Eye Lens Procedures

    Cataract and Eye Lens Procedures is a service that helps cover the cost of cataract surgery in hospital.

    A cataract is a clouding of the lens in the eye, which leads to a decline in vision. The only way to correct cataracts is to undergo surgery to replace the cloudy lens with a new one. This is called an intraocular lens. It’s a relatively simple procedure that usually only takes 15-30 minutes.

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Full cover for a private room in an HBF Member Plus hospital (on covered services)
    If you have Private Hospital Room listed on your health insurance policy, you’ll be covered for the full cost of accommodation in a private room when you stay at an HBF Members Plus hospital.
    Waiting periods
    2 Months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Joint Replacement Surgery (Partial or Total)

    Joint Replacement Surgery (partial or total) is a service that helps you access surgical treatment and care by an orthopaedic surgeon.

    A total joint replacement involves an orthopaedic surgeon removing a damaged joint and putting in a new one. While a partial join replacement involves an orthopaedic surgeon replacing or fixing the damaged parts of a joint.

    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Non PBS in-hospital pharmacy

    Non PBS In-Hospital Pharmacy is a service that helps you access medications when you’re admitted into hospital.

    You will be covered for most pharmaceutical items, including Pharmaceutical Benefits Scheme (PBS) gap items, when being treated at an HBF Member Plus hospital.

    Benefits
    Non-PBS pharmacy benefit is limited to $1400 per continuous hospital stay with a co-payment of $100.
    Waiting periods
    2 months (12 months pre-existing)

    We will honour waiting periods already served more info

    Non-PBS pharmacy benefit is limited to $1400 per continuous hospital stay with a co-payment of $100 (excluding Ultimate Package)
  • Friendlies service
    Waiting periods
    No waiting period

    We will honour waiting periods already served more info

Get the most out of your HBF membership with these great Momentum member benefits:

Free outdoor fitness sessions for members
Free health check at Friendlies pharmacies1
Discount movie tickets and gym memberships
20% off Run for a Reason entry cost
Online claiming and member services with myHBF
Discounted entry at Perth Zoo, Adventure World and more

HBF Hospital gives you better coverage in WA

We fully cover 83% of all medical services in WA hospitals
On average, we cover more of the hospital bill than other major fund in WA
If you need to stay in hospital, we’ll visit you to see how you're going
Get the support you need with Friendlies After Hospital Service

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