Comprehensive hospital cover for complete peace of mind

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.

Top Hospital benefits

  • Complete peace of mind
  • Cover for 5,000+ hospital treatments
  • Fully covered for a shared room at a Member Plus hospital
  • Includes cover for heart treatments

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)
  • HBF medical gap cover
    The difference between the fee charged by doctors for their medical services provided in hospital and the Medicare Benefit Schedule Fee (MBS) relating to those services, is referred to as the 'gap'. Waiting period 2 months (12 months for pre-existing ailments)
  • Psychiatric care
    Waiting period 2 months 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.
  • Rehabilitation
    Rehabilitation is the process of restoration of skills by a person who has had an illness or injury so as to regain maximum self-sufficiency and function in a normal or as near normal manner as possible. For example, rehabilitation after a stroke may help the patient walk again and speak clearly. Waiting period 2 months
  • 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.
  • Full cover for a shared room in an HBF Member Plus hospital (on covered services)
    Waiting period 2 Months (12 months for pre-existing ailments) View service in detail
  • Hospital excess
    An excess is an amount of money a member agrees to pay for a hospital stay before benefits are payable. Waiting period 2 months (12 months for pre-existing ailments)
  • Assisted reproductive services (including IVF)
    Waiting period 2 Months (12 months for pre-existing ailments) View service in detail
  • Podiatric surgery
    Waiting period 2 months (12 months pre-existing ailments) Limited hospital benefits apply therefore out-of-pocket costs may be incurred.
  • Maternity and birth-related services
    Maternity related services cover any admission that is a result of and experienced during pregnancy, not just the labour and birth of the baby Waiting period 12 months View service in detail
  • Cardiac services (heart)
    Waiting period 2 months (12 months for pre-existing ailments) Restricted hospital benefits apply for cardiac and cardiac related services (heart) on Smart Saver Twin Pack. Significant out-of-pocket costs may be incurred.
  • Cataract and eye lens procedures
    Waiting period 2 months (12 months for pre-existing ailments) View service in detail Restricted hospital benefits apply for cataract and eye lens procedures on Smart Saver Twin Pack. Significant out-of-pocket costs may be incurred.
  • Full cover for a private room in an HBF Member Plus hospital (on covered services)
    Waiting period 2 Months (12 months for pre-existing ailments)
  • Full cover for a private room for maternity patients in an HBF Member Plus hospital
    Waiting period 12 months
  • Joint replacement surgery (partial or total)
    Joint replacement refers to procedures that involve the replacement of a joint. Waiting period 2 months (12 months for pre-existing ailments) Restricted hospital benefits apply joint replacement surgery (partial or total) on Smart Saver Twin Pack. Significant out-of-pocket costs may be incurred.
  • Non PBS in-hospital pharmacy
    Waiting period 2 months (12 months pre-existing) Non-PBS pharmacy benefit is limited to $1400 per continuous hospital stay with a co-payment of $100 (excluding Ultimate Package)
  • Friendlies service
    Waiting period No waiting period View service in detail

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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