Value hospital cover with variable excess

Saver Hospital is affordable, great value hospital cover, including full cover on over 5,000 procedures. Ideal if you’re not planning on having a family or don’t want to be covered for heart procedures, but would still like to be able to choose your own specialist and avoid public hospital waiting lists. You can reduce the cost of your premium by selecting a higher excess. It’s a great way to make your hospital cover fit your budget.

Saver Hospital benefits

  • Cover for 5,000+ hospital treatments
  • 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 over 5000 medical procedures
    Cover includes ear, nose and throat procedures, knee and shoulder reconstructions and chemotherapy Waiting period 2 months (12 months for pre-existing ailments)
  • Fully covered for a private room
    Waiting period 2 Months (12 months for pre-existing ailments)
  • Psychiatric care
    Waiting period 2 months Restricted - Member is covered as a private patient in a public hospital Restricted hospital benefits apply to Young Saver Hospital, Healthy Saver Hospital, Young Singles Saver Twin Pack and Smart Saver Twin Pack,therefore significant out-of-pocket costs may be incurred. If you would like cover for psychiatric care, consider HBF Mid Hospital or Top Hospital.
  • Theatre fees
    Waiting period 2 months (12 months for pre-existing ailments)
  • Urgent ambulance
    Waiting period 7 days 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 period 2 months (12 months for pre-existing ailments)
  • Palliative care
    Waiting period 2 months

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