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Our most comprehensive hospital option covers almost all hospital procedures and treatments available in Australia, including joint replacements, heart procedures, cataract surgery, maternity and IVF. Ideal if you’re looking for the best hospital cover and complete peace of mind.
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.
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'.
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).
Cataract and Eye Lens Procedures is a service that helps cover the cost of cataract surgery in hospital.
A cataract is a clouding of the lens in the eye, which leads to a decline in vision. The only way to correct cataracts is to undergo surgery to replace the cloudy lens with a new one. This is called an intraocular lens. It’s a relatively simple procedure that usually only takes 15-30 minutes.
Joint Replacement Surgery (partial or total) is a service that helps you access surgical treatment and care by an orthopaedic surgeon.
A total joint replacement involves an orthopaedic surgeon removing a damaged joint and putting in a new one. While a partial join replacement involves an orthopaedic surgeon replacing or fixing the damaged parts of a joint.
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.
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.
HBF’s Ultimate Package gives you the same comprehensive hospital cover, plus 90-100% back on a huge list of extras services. The highest level of health insurance in Australia, there’s simply no better way to look after your health.
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