Comprehensive hospital cover for 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 thousands of medical procedures
  • Fully covered for a private room at a Member Plus hospital
  • Includes cover for heart treatments

Includes cover for the following services

Hospital services

  • Cover for thousands of medical procedures

    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.

    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

  • 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.
  • 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

  • Assisted Reproductive Services (including IVF)

    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'.

    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.
  • Maternity and Birth-Related Services
    Maternity and Birth-Related Services are designed to help women expecting a child access ongoing care prior to birth, during delivery and post-natal care.
    Waiting periods
    12 months

    We will honour waiting periods already served more info

  • 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

  • Cataract and Eye Lens Procedures

    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.

    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

  • Full cover for a private room for maternity patients in an HBF Member Plus hospital
    Waiting periods
    12 months

    We will honour waiting periods already served more info

    For more information on HBF Member Plus hospitals and services agreed at these facilities, please refer to HBF Member Plus hospital
  • Joint Replacement Surgery (Partial or Total)

    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.

    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 for pre-existing ailments)

    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

  • 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

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

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