New HBF digital member card
Who needs another card in their wallet? Download the digital member card and use your phone to tap and claim at a HICAPS or Smart Health terminal for your covered extras services.*
Choose your cover
You can browse cover options online, or use our cover recommendation tool for a more personalised experience.
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
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.
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.
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.
We’ll help you find our best cover to suit your needs while offering the value, choice and control you deserve.
A friendly, knowledgeable call centre and all-new app mean you’ll always be well looked after.
We have no shareholders to pay, so members are our number one priority.
We've got over 80 years experience helping our members navigate health insurance and the healthcare system.
HBF health members get access to discounted gym memberships, deals on entertainment options and more.
We'll cover your kids on your policy until they turn 25. 4
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.
We'll help you find our best cover that suits your needs.
We need to confirm your location to show you the correct content, products and pricing.
If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location.