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New members who join by 23 April 2024 and keep eligible hospital and extras cover receive 8 weeks FREE cover. Terms & conditions apply.

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Lifetime Health Cover Loading
This price does not consider Lifetime Health Cover loading (LHC). LHC is an Australian Government initiative designed to encourage people to take out hospital cover earlier in life. This applies to all health funds, but doesn't affect extras cover. How is LHC calculated?
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Lifetime Health Cover Loading
This price does not consider Lifetime Health Cover loading (LHC). LHC is an Australian Government initiative designed to encourage people to take out hospital cover earlier in life. This applies to all health funds, but doesn't affect extras cover. How is LHC calculated?

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* ${{quote.quoteValues.premium|number:2}} {{quote.userValues.paymentFrequency}} equates to ${{quote.quoteValues.annualPremium|number:2}} per year. Based on {{(paymentMethods | where: {id: quote.userValues.paymentMethod})[0].label.toLowerCase()}} payment after deducting ({{quote.userValues.cpiRebate}}%)with no Australian Government Rebate on private health insurance with the applicable excess and excluding Lifetime Health Cover loadings.

HBF reserves the right to make changes to its products, benefits and terms and conditions from time to time. HBF will notify the policyholder a reasonable time in advance of any changes that might be detrimental to the member’s interests.

Based on our premium calculation process, the premium you pay when you purchase a product, may vary by 5 to 10 cents from the premium quoted.

Australian Government Rebate Privacy Policy

Your information may be provided to the Australian Government Department of Human Services. The Department of Human Services uses this information for administering the Australian Government Rebate on private health insurance as a reduced premium. The collection of this information is permitted by the Privacy Act 1988.

The Department of Human Services may disclose this information to the Department of Health, the Australian Taxation Office, anyone who you have agreed to have your information or other parties where the release is required or authorised by law (including for the purpose of research or conducting investigations).

You can get more information about the way in which the Department of Human Services will manage your personal information, including its privacy policy, at humanservices.gov.au/privacy.

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