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A great mid-level option, which includes cover for thousands of medical procedures such as heart and cancer treatment, and cover for a private room. Perfect if you want quality hospital cover but don’t need maternity, cataracts, or joint replacements.
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.
We will honour waiting periods already served
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.
A Hospital Excess is the amount you elect to pay up-front when you are admitted to hospital. It only needs to be paid if you, or your partner listed on your policy, goes to hospital.
Your Hospital Excess amount is nominated in your hospital or package policy. Generally, the higher your excess, the cheaper your premium will be – however, it also means you pay more up-front if you need to go to hospital.
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).
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 Mid Hospital, you'll probably find it in one of our other Hospital options. To view these options, just select a service from the list below.
An affordable hospital option for the young and healthy. Covers you for a shared room, and includes thousands of medical procedures such as wisdom teeth extractions, spinal surgery, hernia repair, and cancer treatment.
Top Hospital covers virtually every hospital procedure and treatment in Australia, including joint replacements, heart procedures, cataract surgery, maternity and IVF. Includes full cover for a private room.
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