Australia's most comprehensive health cover

The highest level of hospital, extras and wellness cover in Australia, offering 100% back on most hospital services and 90-100% back on a comprehensive list of extras. There is simply no better way to look after your health.

Ultimate Package benefits

  • Complete peace of mind
  • Full cover for most hospital treatments
  • Up to 100% back on extras
  • Your choice of hospital and practitioner

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
    90% back
    Maximums
    No limit
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    All services (including consultations, scale and clean, mouthguard, fillings and extractions). Visit a Member Plus provider and receive no gap for preventative dental services for kids.
  • 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
    Tooth coloured fillings – indirect
    Veneer – direct
    Veneer – indirect
    Benefits
    90% back
    Maximums
    $1000 under 3 yrs
    $1500 3-5 yrs
    $2400 5-10 yrs
    $3300 10 yrs and over
    Combined annual maximum with implants and orthodontics
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Plus, there’s no gap to pay for kids on your policy for preventative dental services at Member Plus dentists.
  • 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
    90% back
    Maximums
    $1000 under 3 yrs
    $1500 3-5 yrs
    $2400 5-10 yrs
    $3300 10 yrs and over
    Combined annual maximum with major dental
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    Sub limit included in overall maximums ($ limit combined for orthodontics & implants). 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
    90% back
    Maximums
    $800 under 3 yrs
    $1000 3-6 yrs
    $1300 6 yrs and over
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Chiropractic and osteopathy maximums combined
  • 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
    Frames only
    Benefits
    100% back
    Maximums
    $400 maximum of 1 pair of glasses
    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
    Frequent replacement disposable contact lenses
    Spherical rigid or soft contact lenses
    Toric – rigid or soft lenses
    Benefits
    100% back
    Maximums
    Select a service above for specific maximums
    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
    90% back
    Maximums
    $800 under 3 yrs
    $1000 3-6 yrs
    $1300 6 yrs and over
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Chiropractic and osteopathy maximums combined
  • 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
    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
    90% back
    Maximums
    $1100 under 3 yrs
    $1600 3 yrs and over
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Urgent ambulance

    Covers circumstances classified by St John Ambulance as requiring urgent attention

    Benefits
    100% back
    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
    $300 combined for aids to recovery, health monitoring equipment and preventative equipment
    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
    Maximums
    $800 under 6 yrs
    $1200 6 yrs and over
    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)
    Surgery
    Benefits
    90% back
    Maximums
    Select a service above for specific maximums
    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
    100% back
    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
    Health Monitoring Equipment
    Benefits
    90-100% back
    Maximums
    Select a service above for specific maximums
    Waiting periods
    2 - 12 months 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
    Consultations
    Individual treatment/management
    Benefits
    90% back
    Maximums
    $2000
    Combined maximum with Psychology
    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
    90% back
    Maximums
    $800 under 3yrs
    $1000 3-6yrs
    $1300 over 6yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Combined maximum for Dietetics and Nutritionist
  • 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
    100% back
    Maximums
    $1500 every 3 calendar yrs under 10 yrs length of membership & $2500 every 2 calendar yrs 10 yrs membership and over
    Waiting periods
    12 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
    90% back
    Maximums
    $1200 under 3 yrs
    $2000 3 yrs and over
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Occupational therapy, orthoptics (eye therapy) and speech 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.

    Benefits
    90% back
    Maximums
    $1200 under 3 yrs
    $2000 3 yrs and over
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Occupational therapy, orthoptics (eye therapy) and speech therapy maximums combined
  • Remedial Massage and Myotherapy
    Remedial Massage Therapists and Myotherapists specialise in the massage and manipulation of soft tissue to allow the body to return to normal health. 

    This treatment can help heal parts of the body that have been injured, affected by a muscular-skeletal disorder or left inactive due to age, illness or injury.
    Benefits
    90%
    Maximums
    $600
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • 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
    90% back
    Maximums
    $1200 under 3 yrs
    $2000 3 yrs and over
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Occupational therapy, orthoptics (eye therapy) and speech therapy maximums combined
  • Complementary Therapies

    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.

    Benefits
    90% back
    Maximums
    Annual maximum of
    $500 under 3 yrs
    $800 3-6 yrs
    $1,000 6 yrs and over
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Complementary therapies forms part of combined maximum with Bowen therapy, Alexander technique, kinesiology, hypnotherapy, Feldenkrais, shiatsu, aromatherapy, reflexology, herbalist consult and complementary therapies (naturopathy, acupuncture, traditional Chinese medicine and homeopathy) Multiple services provided during a consult will be paid a single benefit. HBF does not pay a benefit for massage or medications/herbs.
  • Wellness
    Wellness is a group of treatments and activities that are designed to keep your mind and body healthy, and look after your general wellbeing. It includes services such as remedial massage, psychology, yoga, Pilates and travel vaccinations.
    Included services
    Psychology
    Exercise physiology
    Remedial Massage and Myotherapy
    Nutritionist
    Travel Vaccinations
    Nicotine Replacement Therapy
    Alexander Technique
    Aromatherapy
    Bowen Therapy
    Feldenkrais
    Health Monitoring Equipment
    Herbalist Consultations
    Hypnotherapy
    Kinesiology
    Pilates
    Preventative Equipment
    Reflexology
    Shiatsu
    Yoga
    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

  • Antenatal Care

    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.

    Benefits
    100% back
    Maximums
    $100
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Exercise Physiology

    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.

    Benefits
    90%
    Maximums
    $700 under 3yrs
    $1000 3yrs and over
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • 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
    Pilates and yoga programs
    Quit smoking programs
    Travel vaccinations
    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.
  • Non-Urgent Ambulance

    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.

    Benefits
    100% back
    Maximums
    $3000 per yr
    Waiting periods
    30 days

    We will honour waiting periods already served more info

  • Nutritionist

    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.

    Included services
    Initial consultation
    Subsequent consultation
    Benefits
    90% back
    Maximums
    $800 under 3yrs
    $1000 3-6yrs
    $1300 over 6yrs
    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Combined maximum for Dietetics and Nutritionist
  • Psychology

    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.

    Benefits
    90%
    Maximums
    $2000
    Combined maximum with Clinical psychology
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Travel and accommodation
    Benefits
    100% back
    Maximums
    $300 per yr
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • 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
    $500
    Waiting periods
    2 months

    We will honour waiting periods already served more info

  • Optical laser eye procedures
    Included services
    Implantable contact lenses
    Keratoconus cross linking
    LASIK - bilateral eye surgery
    PRK - bilateral eye surgery
    Refractive lens exchange
    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

Hospital services

  • Cover for over 5000 medical procedures

    Cover for over 5000 medical procedures is included in all hospital products and packages.

    This service will help cover the cost of a wide range of hospital treatments, including knee reconstructions, wisdom teeth removal and having your tonsils out.

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

    We will honour waiting periods already served more info

  • 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.
  • Theatre Fees
    Theatre Fees help cover the costs associated with surgery for all agreed services included in your policy.
    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • 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

  • Assisted Reproductive Services (including IVF)

    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’.

    IVF 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, counselors and scientists.

    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.
  • Maternity and Birth-Related Services
    Maternity and Birth-Related Services are designed to help women expecting a child access ongoing care prior to birth, during delivery and post-natal care.
    Waiting periods
    12 months

    We will honour waiting periods already served more info

  • 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

  • Full cover for a private room for maternity patients in an HBF Member Plus hospital
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    For more information on HBF Member Plus hospitals and services agreed at these facilities, please refer to HBF Member Plus hospital
  • 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.

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

    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

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