Great value hospital with heart and private room cover

A great Mid-level cover for those wanting private room coverage, choice of specialist, and cover for our core 5,000 procedures as well as Heart procedures. Perfect if you want quality hospital cover but don’t need coverage for maternity, cataracts, and joint replacements.

Mid Hospital benefits

  • Choose your own specialist
  • Cover for 5,000+ hospital treatments
  • Fully covered for a shared room at a Member Plus hospital
  • Includes cover for heart treatments and excludes maternity

Includes cover for the following services

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

    Benefits for rehabilitation services related to restricted or excluded procedures will be limited.
  • 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

    No benefit for procedures that are restricted or excluded on your level of cover.
  • 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

  • Hospital Excess

    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.

    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.
  • 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

  • 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

  • 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.

    Benefits
    Non-PBS pharmacy benefit is limited to $1400 per continuous hospital stay with a co-payment of $100.
    Waiting periods
    2 months (12 months pre-existing)

    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

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