Comprehensive hospital cover with variable excess

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. You can reduce the cost of your premium by selecting a higher excess level.

Top Hospital benefits

  • Avoid public hospital waiting lists
  • Comprehensive cover for 5,000+ hospital treatments
  • Fully covered for a private room in a private hospital
  • 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) In an HBF Member Plus hospital
  • 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.
  • Dialysis (in hospital)
    Waiting period 2 months (12 months for pre-existing ailments)
  • 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.
  • 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.
  • Assisted reproductive services (including IVF)
    Waiting period 2 Months (12 months for pre-existing ailments) View service in detail
  • 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
  • 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.
  • Sterility reversal
    Waiting period 2 months (12 months for pre-existing ailments)
  • Surgical weight loss procedures
    Waiting period 2 months (12 months for pre-existing ailments)
  • 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