Hospital cover with maternity for growing families

Mid Family Hospital cover is a great value mid-level cover that covers you for thousands of medical procedures as well as covering maternity and heart treatment. Joint replacement and cataract surgery is excluded on this cover. You'll be fully covered in a private room at a Member Plus hospital. You can reduce the cost of your premium by selecting a higher excess level.

Mid Family Hospital benefits

  • Cover for thousands of medical procedures
  • Your choice of private hospital
  • Choose your own specialist
  • Avoid public hospital waiting lists
  • Select $500, $250 or no excess

Includes cover for the following services

Hospital services

  • Cover for thousands of medical procedures

    With HBF, most of our 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.

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

    We will honour waiting periods already served more info

  • Fully covered for a private room
    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

    In an HBF Member Plus hospital
  • Dialysis (in hospital)
    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

    Restricted - Member is covered as a private patient in a public hospital.
  • 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

  • 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’.

    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'.

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

    We will honour waiting periods already served more info

  • 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

  • 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

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

    We will honour waiting periods already served more info

  • 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

  • In-hospital rehabilitation
    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Prostheses - surgical
    All prostheses relating to services or treatments covered under this product.
    Waiting periods
    2 months (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Palliative care
    Waiting periods
    2 months

    We will honour waiting periods already served more info

Get the most out of your HBF membership with these great member benefits:

We cover kids on family policies for no extra charge
Bundle your Car, Home and Travel insurance and save!
Free Pocket Health app designed to store health info and help you achieve your fitness goals
Online claiming and member services with myHBF

Why choose HBF for your health cover?

We're not for profit, so we're focused on your health - not our profit margin
We've been providing quality health care for over 70 years, so we know what we're doing
We're one of Australia's top five biggest health funds with over 900,000+ members
We're Aussie based and owned, so when you call us you'll speak to someone who understands your situation