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

  • 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 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.
  • 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 Plus, there’s no gap to pay for kids on your policy for preventative dental services at Member Plus dentists.
  • 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 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
    Benefits towards chiropractic, x-rays and spinal manipulation Waiting period 2 months Chiropractic and osteopathy maximums combined
  • 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 Chiropractic and osteopathy maximums combined
  • 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
  • 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 2 - 12 months 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 Combined maximum for Dietetics and Nutritionist
  • Hearing aid
    A benefit towards a hearing aid ordered by a medical practitioner Waiting period 12 months
  • Occupational therapy
    Benefits towards consultations by an occupational therapist who is approved by HBF Waiting period 2 months Occupational therapy, orthoptics (eye therapy) and speech 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, orthoptics (eye therapy) and speech therapy maximums combined
  • Remedial massage/myotherapy
    Remedial massage treatment assists in healing parts of the body that have been injured or left inactive due to age, illness or injury. Waiting period 2 months
  • Speech therapy
    A benefit towards individual and group consultations with a speech therapist who is approved by HBF. Waiting period 2 months Occupational therapy, orthoptics (eye therapy) and speech therapy maximums combined
  • Complementary therapies
    Benefits towards acupuncture, homeopathy, naturopathy and traditional Chinese medicine consultations with an approved HBF provider Waiting period 2 months 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.
  • Natural therapies
    Waiting period 2 months
  • Wellness
    Wellness provides benefits for a wide range of lifestyle services including yoga and pilates programs, bowen therapy, hypnotherapy, nicotine replacement therapy, remedial massage and more. Waiting period 2 months
  • Antenatal classes
    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. Waiting period 2 months View service in detail
  • Exercise physiology
    Exercise physiologists are providers of exercise interventions for physical rehabilitation; as a strategy for disease prevention; or for establishing & sustaining functional independence. 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.
  • Non-urgent ambulance
    Waiting period 30 days
  • Nutritionist
    Nutritionists provide advice about food choices for a healthy diet using their extensive knowledge of the nutritional value of foods. Waiting period 2 months Combined maximum for Dietetics and Nutritionist
  • Psychology
    Waiting period 2 months
  • Travel and accommodation
    Waiting period 2 months
  • Optical laser eye procedures
    Waiting period 12 months

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 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)
  • 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
  • Assisted reproductive services (including IVF)
    Waiting period 2 Months (12 months for pre-existing ailments) View service in detail
  • Podiatric surgery
    Waiting period 2 months (12 months pre-existing ailments) Limited hospital benefits apply therefore out-of-pocket costs may be incurred.
  • 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 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)
  • 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 Smart Saver Twin Pack. Significant out-of-pocket costs may be incurred.
  • Non PBS in-hospital pharmacy
    Waiting period 2 months (12 months for pre-existing ailments) 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