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Covers you for a shared room in a private hospital for most treatments whilst keeping premiums affordable by excluding heart, cataracts and joint replacement procedures. Smart Saver Twin Pack includes our most commonly claimed services such as Major Dental, Orthodontics, Optical, Physio and Chiro. A perfect package for those who are planning to start or grow their family as it fully covers a private room for Maternity.
General Dental is a service that covers the more common dental treatments you might have during a routine visit to the dentist.
We will honour waiting periods already served
Major Dental is designed to help cover the costs of more considerable treatments you receive from a dentist, prosthetist, 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.
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.
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.
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.
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.
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.
Covers circumstances classified by St John Ambulance as requiring urgent attention
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.
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.
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.
With HBF, even our most basic hospital products provide cover for thousands of medical procedures. When you go to hospital, you can have total peace of mind knowing HBF will help cover the cost for important treatments. These include chemotherapy, gallbladder procedures and knee or shoulder reconstructions, as well as more common procedures like endoscopies, hernia repair, tonsil removal, grommets and wisdom teeth removal.
We’ve designed our top levels of cover to include all in-patient medical procedures listed in the Medicare Benefit Schedule (MBS). As the level of cover decreases, high-cost procedures only relevant at a certain life stage like maternity and IVF, cataracts, joint replacement and heart treatment are excluded to help keep the cost of your premium down. That means no matter what stage you’re at in life, you can choose a product that suits your needs.
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.
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.
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.
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.
Assisted Reproductive Services (ARS) enables couples experiencing fertility issues to achieve pregnancy by artificial or partially artificial methods. It’s more commonly known as ‘fertility treatment’.
In Vitro Fertilisation (IVF) is a common type of ARS. It is a service that helps women achieve pregnancy with the help of medical treatment. It is used to overcome a range of fertility issues including sperm antibodies, endometriosis or unexplained infertility. Treatment is administered by a fertility specialist, who is supported by a team of nurses, counsellors and scientists.
ARS are separate from maternity, which is a service with its own inclusions and waiting period.
This is simply a definition of ARS, and not an indication of what HBF covers. For more information about what HBF covers for ARS, please see 'Things you need to know about Assisted Reproductive Services'.
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.
If you're after a service not included in Smart Saver Twin Pack, you'll probably find it in one of our other Hospital & Extras options. To view these options, just select a service from the list below.
Young Singles Saver Twin Pack covers treatments young people are most likely to use. Includes thousands of medical procedures, as well as eight extras services including general dental, optical and physio.
HBF’s Ultimate Package gives you the same comprehensive hospital cover, plus 90-100% back on a huge list of extras services. The highest level of health insurance in Australia, there’s simply no better way to look after your health.
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