Great value hospital cover for the young and healthy

Saver hospital offers great value private hospital cover for services such as cancer, brain surgery, stroke, spinal fusion and ear nose and throat procedures whilst keeping premiums affordable by excluding Maternity, Cataracts, Joint replacement, and Heart treatments. Enjoy the freedom to choose your own specialist, recover in a private room (when available), and avoid public system waiting lists for all covered services.

Saver Hospital benefits

  • Cover for thousands of medical procedures
  • Fully covered for a private room in a private hospital
  • Avoid public hospital waiting lists
  • Choose your own specialist
  • 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

  • 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

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

    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..
  • 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