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

  • Dental - general
    Benefits towards consultations/examinations, scale and clean, mouthguards, extractions, direct restorations. Make the most of your benefits by visiting one of HBF's Member Plus dental providers. Waiting period 2 months 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 - major
    Benefits towards veneers, indirect restorations, crowns and bridges, full dentures. Make the most of your benefits by visiting one of our Member Plus dental providers. Waiting period 12 months 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 braces
    Benefits towards orthodontics and implants. Make the most of your benefits by visiting one of our Member Plus dental providers Waiting period 12 months 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
    Benefits towards chiropractic, x-rays and spinal manipulation Waiting period 2 months Maximum includes x-ray
  • Glasses
    A benefit towards glasses per calendar year including frames and lenses (single vision, bifocal, trifocal/progressive). Take advantage of our benefit by visiting an HBF Member Plus optical store. Waiting period 2 months
  • Optical - contact lenses
    Waiting period 2 months
  • Osteopathy
    A benefit towards osteopathic consultations with an approved HBF provider Waiting period 2 months
  • Physiotherapy
    Benefits towards individual and group consultations by a physiotherapist who is approved by HBF Waiting period 2 months Maximum includes x-ray
  • Urgent ambulance
    Waiting period 7 days 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. 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.
  • Pharmacy
    A benefit towards therapeutic prescriptions (including repeats) for any medicine or drug listed on the current HBF Schedule of Pharmaceutical Benefits. Benefits are not payable on government PBS items. Waiting period 2 months This may vary depending on the medication.
  • Podiatry - consults and procedures
    Benefits towards consultations and procedures by a podiatrist who is approved by HBF. This cover also includes benefits for foot orthoses by approved HBF providers. Waiting period 2 months
  • Podiatry - foot orthoses
    A benefit for the supply of foot orthoses provided they are medically necessary. Benefits include: diagnostic testing and biomechanical evaluation, foot orthoses (including casting). Waiting period 12 months Foot orthoses must be medically necessary and custom-made from one of the following providers approved by HBF: podiatrist, orthotist, pedorthist or surgical bootmaker. For some foot orthoses, HBF will only pay a benefit when provided by an approved podiatrist or orthotist.
  • Appliances
    Benefits towards nebulisers, blood glucose monitors, CPAP monitors and other non surgically implanted appliances Waiting period 1–2 yrs depending on appliance View service in detail
  • Clinical psychology
    The clinical psychologist must be registered with the relevant National Registration Board with an endorsement of Clinical Psychology and be approved by HBF. Waiting period 2 months Provider must be registered with the relevant national board with an endorsement of clinical psychology, and approved by HBF.
  • Dietetics
    Benefits towards consultations with an approved dietitian Waiting period 2 months
  • Hearing aid
    A benefit towards a hearing aid ordered by a medical practitioner Waiting period 36 months
  • Occupational therapy
    Benefits towards consultations by an occupational therapist who is approved by HBF Waiting period 2 months Occupational therapy,Speech therapy and Orthoptics eye therapy maximums combined
  • Eye therapy
    A benefit towards fees charged by a fully qualified orthoptist who is approved by HBF including individual consultations, field vision tests and colour vision tests Waiting period 2 months Occupational therapy, Speech therapy and Orthoptics eye therapy maximums combined
  • Speech therapy
    A benefit towards individual and group consultations with a speech therapist who is approved by HBF. Waiting period 2 months Occupational therapy, Speech therapy and Orthoptics eye therapy maximums combined
  • Friendlies health check
    Fully covered Friendlies Health Check at selected pharmacies. Waiting period 2 months View service in detail
  • Healthy living programs
    A benefit towards approved healthy living programs that include specified health checks, flu vaccinations, dose administration aids, health education programs, Living Longer, Living Stronger, Quit Smoking programs, Friendlies health program, Friendlies T2 Diabetes program, diabetes swimming program & weight management programs. Waiting period 2 months For HBF approved programs only.

Hospital services

  • HBF medical gap cover
    The difference between the fee charged by doctors for their medical services provided in hospital and the Medicare Benefit Schedule Fee (MBS) relating to those services, is referred to as the 'gap'. Waiting period 2 months (12 months for pre-existing ailments)
  • Psychiatric care
    Waiting period 2 months Restricted hospital benefits apply to Young Saver Hospital, Healthy Saver Hospital, Young Singles Saver Twin Pack and Smart Saver Twin Pack,therefore significant out-of-pocket costs may be incurred. If you would like cover for psychiatric care, consider HBF Mid Hospital or Top Hospital.
  • Rehabilitation
    Rehabilitation is the process of restoration of skills by a person who has had an illness or injury so as to regain maximum self-sufficiency and function in a normal or as near normal manner as possible. For example, rehabilitation after a stroke may help the patient walk again and speak clearly. Waiting period 2 months No benefit for procedures that are restricted or excluded on your level of cover.
  • Urgent ambulance
    Waiting period 7 days 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 period 2 Months (12 months for pre-existing ailments) View service in detail
  • Hospital excess
    An excess is an amount of money a member agrees to pay for a hospital stay before benefits are payable. Waiting period 2 months (12 months for pre-existing ailments)
  • Podiatric surgery
    Waiting period 2 months (12 months pre-existing ailments) Limited hospital benefits apply therefore out-of-pocket costs may be incurred.
  • Cardiac services (heart)
    Waiting period 2 months (12 months for pre-existing ailments) Restricted hospital benefits apply for cardiac and cardiac related services (heart) on Smart Saver Twin Pack. Significant out-of-pocket costs may be incurred.
  • Cataract and eye lens procedures
    Waiting period 2 months (12 months for pre-existing ailments) View service in detail Restricted hospital benefits apply for cataract and eye lens procedures on Smart Saver Twin Pack. Significant out-of-pocket costs may be incurred.
  • Full cover for a private room in an HBF Member Plus hospital (on covered services)
    Waiting period 2 Months (12 months for pre-existing ailments)
  • Joint replacement surgery (partial or total)
    Joint replacement refers to procedures that involve the replacement of a joint. Waiting period 2 months (12 months for pre-existing ailments) Restricted hospital benefits apply joint replacement surgery (partial or total) on Smart Saver Twin Pack. Significant out-of-pocket costs may be incurred.
  • Non PBS in-hospital pharmacy
    Waiting period 2 months (12 months pre-existing) Non-PBS pharmacy benefit is limited to $1400 per continuous hospital stay with a co-payment of $100 (excluding Ultimate Package)
  • Friendlies service
    Waiting period No waiting period View service in detail

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

Couldn't find what you were looking for?

Tell us which services you need cover for and we'll recommend a product for you.

Get a recommendation