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Covers more than 5,000 common hospital treatments. You’ll be able to choose your own doctor, avoid public waiting lists and avoid the Medicare Levy Surcharge. Ideal if you want the benefits of hospital insurance, but only need basic cover.
Cover for over 5000 medical procedures is included in all hospital products and packages.
This service will help cover the cost of a wide range of hospital treatments, including knee reconstructions, wisdom teeth removal and having your tonsils out.
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.
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.
If you're after a service not included in Young Saver Hospital, you'll probably find it in one of our other Hospital options. To view these options, just select a service from the list below.
Mid Hospital includes heart treatments and includes full cover for a private room, rather than a shared room. Excludes maternity and joint replacements, so you only have to pay for services you need.
Tell us which services you need cover for and we'll recommend a product for you.
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