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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.
Hospital cover options
HOSPITAL SERVICES BY CATEGORY
Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.
Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.
Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.
Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.
Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.
Covered for the investigation and treatment of a hernia or appendicitis.
It is best to contact us prior to any procedure as treatments for some hernias fall under Digestive System.
Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.
Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery. Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.
Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.
Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.
Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.
Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.
Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, haemorrhoids, and some hernias.
Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.
Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.
Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer. Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.
Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.
Covered for the investigation and treatment of conditions relating to the skin and nails. For example, minor wound repair, removal of foreign bodies, melanoma removal and medically necessary plastic surgery. Removal of excess skin due to weight loss is covered separately under the clinical category Weight loss surgery.
Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.
Covered for the investigation and treatment of conditions (not including cataracts) affecting the eye and contents of the eye socket. For example retinal detachment and eye infections.
Covered for the treatment of pain without the need for a device. For example, treating nerve and chest pain due to cancer by injection of a nerve block.
Covered for the investigation and treatment of breast disorders and associated lymph nodes, as well as the reconstructions or reduction following medically necessary breast surgery.
Covered for the investigation and management of diabetes. For example, stabilisation of hypo or hyper glycaemia and lumps and bumps from insulin injections. This does not include treatment for diabetes-related conditions which are covered separately under relevant treatment categories.
Covered for the investigation and treatment of the lungs, chest, and mediastinum. For example, lung cancer, asthma, and trauma to the chest.
Covered for the investigation and treatment (including spinal fusion) of conditions affecting the back, neck and spinal column. For example, sciatica, and spine curvature disorders such as scoliosis.
Covered for the medically necessary investigation and treatment of any physical deformity, whether accidental, congenital, or resulting from an illness. For example, skin grafts for a severe burn.
Covered for pain treatment (including implantation, replacement, or other surgical management) using a device. For example, treating nerve pain with a neurostimulator.
Covered for the investigation of sleep patterns and sleep anomalies. For example, sleep apnoea and snoring.
Covered for the investigation and treatment of the heart, heart-related conditions, and vascular system. For example, heart attacks, varicose veins and surgical removal of a heart tumour.
Covered for your hospital accommodation, theatre fees and any prostheses associated with the treatment of conditions affecting the feet and/or ankles. For example, in-grown toenails and bunions. HBF will pay limited benefits towards your surgeon and anaesthetist fees as these are not covered by Medicare. Treatment must be provided by an accredited podiatric surgeon at a hospital where Podiatric Surgery is an agreed service.
Covered for treatment to correct hearing loss, including implantation of prosthetic hearing devices.
Covered for the supply and replacement of an insulin pump for the treatment of diabetes.
Covered for surgery to remove a cataract and replace with an artificial lens.
Covered for partial or total joint replacement surgery including revisions, resurfacing and removal of prostheses. For example, knee replacement surgery.
Covered for both types of dialysis (peritoneal dialysis and haemodialysis) for people experiencing chronic kidney failure.
Covered for pregnancy and child birth as well as the investigation and treatment of any related conditions.
Covered for inpatient fertility treatments or procedures. For example, IVF, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).
Covered for surgery designed to reduce a person’s weight, remove excess skin and reversal of a weight loss procedure. For example, gastric banding and sleeve gastrectomy.
Covered for unlimited urgent or emergency ambulance transport or onsite treatment by an approved HBF provider, by road only (excludes air transport).
Covered for accommodation in a private or shared room at an HBF Member Plus private hospital (subject to availability), provided that your treatment is included in your hospital cover and it is an agreed service.
Covered for travel and accomodation benefits for you and your carer when associated with a hospital admission for an included service, and you have traveled 200 km or more.
Waiting period
Choose from 5 extras products, which cover you for everyday health care services that Medicare generally doesn't.
Hospital insurance, also known as hospital cover, helps cover costs when you go to hospital for surgery and other types of medical treatment.
It helps cover the cost of doctors’ and anaesthetists’ fees, as well as other hospital costs like accommodation, prostheses and theatre fees.
With hospital insurance, you can go to a private hospital for treatment, choose your own specialist and time of treatment, and gain access to a private room (so long as it’s covered on your policy and there’s one available).
Hospital insurance helps cover the cost of ‘inpatient’ services—these are treatments you receive when you’re formally admitted to hospital for care, e.g. for surgery.
The specific hospital procedures and services you’re covered for (e.g. chemotherapy, a colonoscopy, tonsil removal, knee reconstructions etc.) depends on the level of hospital cover you choose.
Generally, as your level of hospital cover goes up, so does the number of included services.
Your hospital insurance cannot cover ‘outpatient’ services—these are treatments you receive when you haven’t been formally admitted to hospital, for example, tests and examinations (like x-rays and blood tests). In most cases, Medicare will help cover these services.
Depending on your level of cover, you may also have exclusions and/or restrictions. If a service is excluded, it’s not covered at all. Restricted services receive the minimum default benefit, which generally means a large out-of-pocket.
Where your treatment is an included service on your hospital cover, your hospital costs will either be fully or partially covered depending on the type of agreement your health fund has with your specialists and hospital.
With HBF, when you’re admitted to hospital for treatment you will get 100% back for the cost of your hospital accommodation and specialists so long as you choose providers that have ‘no-gap’ (otherwise known as ‘fully covered’) agreements with your health fund.
Just be aware of out-of-pocket costs, which can include excess or co-payments, as well any outpatient services.
As soon as you have served your waiting periods.
When you buy hospital insurance for the first time, rejoin after a break from cover or you upgrade to include a new service or procedure, there are waiting periods you need to serve before you can claim.
Waiting periods for hospital insurance fall into two buckets: 12 months for pre-existing conditions, pregnancy and birth and 2 months for most other procedures and services.
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