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The perfect package if you’re looking for total peace of mind and minimal out-of-pockets. Rest assured no matter which surgeon or hospital in Australia you use, you’ll be fully covered, including benefits on robotic surgery. This package also includes our entire range of extras services, with very generous benefits of 90 to 100% back when you claim.
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.
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.
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
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.
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.
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.
Health Monitoring Equipment is only included in the following cover options, Ultimate Package, Flexi Extras and Premium Extras Plus.
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.
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.
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.
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.
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.
Complementary Therapies is a group of non-invasive treatments, designed to help stimulate the body’s self-healing response.
They are often used together with the healthcare you receive from western medical practitioners.
Antenatal care offers education and advice for pregnant women and their partners, before a baby is born.
It helps parents focus on the pregnancy and plan for the impending labour and birth.
Benefits for antenatal classes are payable for classes offered by a private hospital, regardless of whether or not the hospital is an HBF Member Plus hospital.
Exercise Physiology is a service that helps you access the help of an Exercise Physiologist.
Exercise Physiologists specialise in the delivery of exercise for the prevention and management of chronic diseases and injuries. They are also able to help those with disabilities achieve a greater level of independence in movement.
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.
Non-Urgent Ambulance provides road transport for patients who don’t need an emergency response, but require clinical monitoring or assistance on their journey. This commonly applies when being transferred between hospitals, or from home to hospital.
HBF’s Non-Urgent Ambulance service is called Ambulance Plus. This service gives you comprehensive cover for non-urgent ambulance transport by road within WA, and includes a $3000 limit for each person covered on your policy.
Nutritionist is a service that helps you access the advice of a Nutritionist or Dietician. Nutritionists promote healthy eating and living to assist in the prevention of illness.
Nutritionists have extensive knowledge about the nutritional value of foods, how they interact with the body and impact lifestyle. They can advise you on what to eat in order to achieve specific health-related goals.
Psychologists study behaviour and evaluate mental processes to diagnose and treat mental health problems.
Psychologists can help with a range of mental health conditions, including depression, anxiety, grief, post-traumatic stress and eating disorders.
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.
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'.
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.
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).
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.
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.
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 Ultimate Package, 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.
Smart Saver Twin Pack is 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 extras such as dental, optical and physio.
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