Across all HBF products and services, benefits are payable up to applicable annual limits and only for services and
programs approved by HBF and delivered by providers that are approved by HBF.
Waiting periods may apply before benefits are payable.
** Roy Morgan Net Trust Survey 2021.
1 You have 30 days from your cover’s start date to get a full refund if you change your mind, so long as you haven’t
2 If you switch to HBF within 2 months of leaving another Australian health fund, you won’t have to re-serve any waiting
periods already served. For waiting periods that have been partly served, you’ll only have to serve the remainder of the
waiting period before being eligible to claim benefits.
3 HBF will cover the cost for urgent ambulance transport by road only for circumstances classified as emergency or urgent.
HBF does not cover air ambulance.
4 Benefits are paid up to service and annual limits and only when services are delivered by an approved Member Plus
Pharmacy. Waiting periods, eligibility criteria, and other terms and conditions may apply.
5 Provided they’re not married or living in a de-facto relationship, and are either: Not earning a taxable income of more
than $24 500 pa; or a full time student.