New

New members get a FREE gift card on us!
Join eligible hospital and extras cover by 21 June 2024 and keep it to get $300 on a couple/family policy or $150 on a single/single parent policy.
Terms & conditions apply.

Make the move
to HBF

Joining HBF is easy. Just tell us you’re a CUA Health member and we’ll do the rest.
  • 2-month waiting periods on Hospital and Extras products waived for CUA Health members
  • 4% discount when you pay by direct debit

HBF and CUA Health – more similar than you might think

We're not-for-profit, so members come first

Queensland and Western Australian-based call centres

Hospital cover from just $13.50* per week

Join HBF in 2 simple steps


  1. Choose your cover

    You can browse cover options online, or use our cover recommendation tool for a more personalised experience.

  2. Let HBF do the paperwork

    If you’re switching from CUA Health, just tell us during sign up. We’ll contact you to get your member number (or policy number) and arrange the transfer from CUA Health.


    Getting cover for the first time, or changing your HBF cover? Just sign up below.

Things you should know about switching to HBF

Waiting periods

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.

Waiting periods will apply for any new services you were not covered for previously, for any higher benefits and/or higher annual limits, and if you decrease your hospital cover excess level.

Annual limits on Extras cover

Any claims you have made with your previous fund this calendar year will result in an adjustment of the annual limit you can claim with us for the rest of the year. For example, if you have claimed $300 on Occupational Therapy with your current fund and you join HBF on Top 70, which has an annual limit of $400, you may be able to claim $100 with us this calendar year. Remember, annual limits reset on 1 January each year.

If your new HBF cover has a service with a lifetime limit, we will take into account all claims you have made for that service previously, regardless of the year they were made.

Join HBF in 2 simple steps


  1. Choose your cover

    You can browse cover options online, or use our cover recommendation tool for a more personalised experience.

  2. Let HBF do the paperwork

    If you're switching from another health insurer, just tell us during sign up. We'll then contact you to get your member number (or policy number), and we'll contact your health insurer to organise the transfer.


    Getting cover for the first time, or changing your HBF cover? Just sign up below.

Why HBF is the right choice for you

Health cover for you

We’ll help you find our best cover to suit your needs while offering the value, choice and control you deserve.

There when you need us

A friendly, knowledgeable call centre and all-new app mean you’ll always be well looked after.

We're not-for-profit

We have no shareholders to pay, so members are our number one priority.

Experience you can trust

We've got over 80 years experience helping our members navigate health insurance and the healthcare system.

Member benefits

HBF health members get access to discounted gym memberships, deals on entertainment options and more.

Cover for dependents

We'll cover your kids on your policy until they turn 25. 4

100% back on some extras services

Optical Pair of glasses Get 100% back on glasses and contacts up to your annual limit.
DentalScale and clean Claim 100% back on your first scale and clean at any HBF Member Plus dental provider
EmergenciesUrgent ambulance Get 100% back on urgent ambulance with any Hospital or Extras cover currently available for sale.2
Healthy Living ProgramsFlu vacs Get 100% back on your annual flu vaccination on all Extras available for sale.3 Available at Member Plus pharmacies.
Healthy Living ProgramsHealth services Get 100% back on your annual health check on all Extras available for sale. Plus get 100% back on weight management programs, quit smoking programs and other health services on Flex 50, Flex 60, Complete 60 and Top 70.3 Available at Member Plus pharmacies.

Things you should know about switching to HBF

Waiting periods

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 provided you maintain continuous cover. To maintain continuous cover, you can make a payment adjustment to cover the period from the date you left your previous fund to when you joined HBF.

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. Waiting periods will apply for any new services you were not covered for previously, for any higher benefits and/or higher annual limits, and if you decrease your hospital cover excess level.

Annual limits on Extras cover

Any claims you have made with your previous fund this calendar year will result in an adjustment of the annual limit you can claim with us for the rest of the year. For example, if you have claimed $300 on Occupational Therapy with your current fund and you join HBF on Top 70, which has an annual limit of $400, you may be able to claim $100 with us this calendar year. Remember, annual limits reset on 1 January each year.

If your new HBF cover has a service with a lifetime limit, we will take into account all claims you have made for that service previously, regardless of the year they were made.

Get in touch with HBF

We'll help you find our best cover that suits your needs.