New

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

Switch to HBF

Switching to HBF is easy. Just tell us the name of your current health fund and we’ll do the rest.
  • 30 day money back cooling-off period
  • No need to re-serve waiting periods
Use our recommendation tool Compare cover options

Why switch to HBF

Hospital cover from just $13.50* per week

Mix & match our Hospital and Extras products

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

HBF makes switching easy

No need to re-serve waiting periods

If you hold similar cover with another fund, we’ll honour any waiting periods you already served with them. See below for more details.

30 day cooling-off period

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 claimed.

No-obligations health cover check

Are you on the right health cover? Have a chat with us and get an expert recommendation, no strings attached. Just call 133 423.

I'm ready to switch

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.

Compare cover options Use our recommendation tool

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.

Sign up online

Compare cover options Use our recommendation tool

It may take up to 14 days for other funds to issue a Clearance Certificate. A Clearance Certificate, also called a Transfer Certificate, serves as a record of your health cover and contains information about the type and level of cover you held, when you joined, and when you cancelled. Until a certificate has been received and assessed we will not be able to finalise any claims submitted.

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.

Compare cover options Use our recommendation tool

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Get in touch with HBF

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

Call
133 423
Email HBF