Packaged cover designed for growing families

Covers you for most hospital treatments plus maternity, IVF, and other birth related services. Also includes nine extras, including major dental and orthodontic. Perfect if you're starting a family or planning more kids. Includes full cover for a private room when you have a baby.

Smart Saver Twin Pack benefits

  • Claim benefits on 9 popular extras
  • Cover for 5,000+ hospital treatments
  • Includes cover for maternity
  • No gap to pay for kids preventative dental at HBF Member Plus dentists

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 60% back and a fully covered scale and clean each calendar year. Plus there’s no gap to pay for kids on preventative dental services at Member Plus dental providers.
  • 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 60% back and a fully covered scale and clean each calendar year. Plus there’s no gap to pay for kids on preventative dental services at Member Plus dental providers.
  • 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 60% back.Combined annual maximum with 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 You can claim on either glasses or contact lenses each calendar year
  • Optical - contact lenses
    Waiting period 2 months You can claim on either glasses or contact lenses each calendar year
  • Physiotherapy
    Benefits towards individual and group consultations by a physiotherapist who is approved by HBF Waiting period 2 months
  • 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
  • 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

  • Cover for over 5000 medical procedures
    Cover includes ear, nose and throat procedures, knee and shoulder reconstructions and chemotherapy Waiting period 2 months (12 months for pre-existing ailments)
  • 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 for psychiatric care, therefore significant out-of-pocket costs may be incurred. If you would like cover for psychiatric care, consider HBF Prime Health Package or Ultimate Package. 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.
  • Theatre fees
    Waiting period 2 months (12 months for pre-existing ailments) 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)
  • Assisted reproductive services (including IVF)
    Waiting period 2 Months (12 months for pre-existing ailments) View service in detail
  • Maternity and birth-related services
    Maternity related services cover any admission that is a result of and experienced during pregnancy, not just the labour and birth of the baby Waiting period 12 months View service in detail
  • 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 this level of cover. Significant out-of-pocket costs may be incurred. 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 this level of cover. Significant out-of-pocket costs may be incurred. 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 for maternity patients in an HBF Member Plus hospital
    Waiting period 12 months
  • 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 this level of cover. Significant out-of-pocket costs may be incurred. 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

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