Terms and Conditions
1This means you can join now and claim now on cover that's equal or lower to what you're currently on. For new services there may be some waiting periods, including the pre-existing condition waiting period, before you can claim on certain treatments. You must have transferred within two months of your financial date with your previous fund.
* If you wish to cancel your health cover within 30 days, we'll refund any premiums you've paid provided you haven't made a claim. New HBF health members can claim straight away on all extras services with a 2 and 6 month waiting period.
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