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  • Exclusive member benefits.
  • Largest health fund in WA
  • 30 day cooling-off period.

Health insurance

Intermediate Hospital

Intermediate Hospital is no longer available for purchase. 

If you’d like cover similar to Intermediate Hospital, you can consider Top Hospital, which includes the same treatments and in addition, fully covers accommodation in a private room, or Mid Hospital which has a lower premium because it doesn't include cover for maternity, joint replacement and cataract or eye-lens procedures.

For full benefits see the policy details.

Benefits of this product

  • Comprehensive hospital cover
  • Your choice of private hospital - HBF members have more Member Plus hospitals to choose from in WA compared to any other major health fund
  • Your choice of a long list of fully covered doctors
  • Excess options to reduce your premium
  • No excess for day procedures
  • A visit by an HBF hospital liaison officer, who will answer questions about your cover and help with your claim, in most overnight private Member Plus hospitals in WA.

Save on tax

You avoid paying the Government’s Medicare Levy Surcharge at tax time

More HBF member benefits:

  • Free outdoor fitness sessions – see for details
  • Discounted movie tickets and gym membership
  • Claim online at
  • HBF member discounts at health events such as HBF Run for a Reason
  • For more information on this cover, please see the policy details brochure. 

Benefits table

 Service Names INtermediate Hospital   Waiting Periods
Cover for over 5000 medical procedures, including ear, nose and throat procedures, knee and shoulder reconstructions, and chemotherapy  Included 2-months
12-months for maternity/birth
related services and pre-existing 

See policy details brochure for
more information
For maternity related treatment fully covered for the first three days in a shared room Included
 Full cover for a shared room Included
 Cataract and eye lens procedures Included
 Heart treatment Included
 Join replacement surgery (partial or total) Included
 Rehabilitation Included
 Maternity and birth-related services Included

 Assisted reproductive services (including IVF) Included
 Psychiatric care Included
 Theatre fees Included
 Urgent Ambulance1 Included
 7 days

1 Covers urgent ambulance transport for circumstances classified by St John Ambulance as requiring attention.

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

3 A terminal illness is an illness which in the opinion of a medical practitioner is likely to result in death within 12 months,