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Australia's lowest average premium increase
We’ve worked exceptionally hard to make our 2020 premium increase the lowest of all 35 health insurers in Australia. HBF’s CEO, John Van Der Wielen shares how we achieved this result.
Cover to suit your needs
Tell us a little about yourself and your health needs, and in two to three minutes we'll find our best cover to suit your needs.
Basic Hospital Plus & Basic Extras
Basic Hospital Plus
Basic Extras
Bronze Hospital Plus & Saver Flexi Extras
Bronze Hospital Plus
Saver Flexi Extras
Gold Hospital & Saver Flexi Extras
Gold Hospital
Silver Hospital & Standard Extras
Silver Hospital
Standard Extras
Silver Hospital Plus & Flexi Extras
Silver Hospital Plus
Flexi Extras
Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.
All our Hospital cover options include cover for a private room at a private or public hospital1.
If you need someone to stay with you while you’re in hospital, we’ll cover the cost of their meals and accommodation2.
Taking out any one our Hospital cover options will help you avoid the Medicare Levy Surcharge tax.
On most of our Extras cover options, we reward our loyal members by increasing the amount you can claim the longer you stay with us3 4.
Claim as many times as you like during the year for preventative dental services like scale & cleans and dental x-rays with HBF Extras cover3 4.
Urgent ambulance cover by road for as many trips as you need. Available on most Hospital and Extras cover options3.
Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.
Switch to HBF
It depends on your health fund and the health cover you choose. With HBF, a couples health cover policy just costs double the price of a singles health cover policy (before applying the Australian Government Rebate on Private Health Insurance or Lifetime Health Cover loading).
Yes. As a couple, you have the option of getting couples health insurance (so you’re both covered on the same policy) or a singles health insurance policy each. It’s entirely up to you and what best suits your needs.
If you need maternity cover, you can buy a singles health insurance policy with maternity, and one without. When your baby arrives, you can then transition to family health cover, so you, your partner and your new baby can all be covered on the same policy.
If you’re on your parents’ health cover, we will cover you on their policy until you turn 25 provided you’re not married or in a de-facto relationship and are either:
We’ll help you find the right cover for your needs and budget.
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