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 terminal for your covered extras services.*
Compare our hospital and extras insurance products. We have affordable health cover options that may suit your needs and budget.
Health cover is just an umbrella term for two types of health insurance—Hospital cover
extras cover. Find out what you need with this quick guide.
Covers you when you’re admitted to hospital, and will help pay for things like specialist fees, accommodation and theatre fees.
View hospital cover
Covers a bunch of everyday health care services Medicare generally doesn’t, like dental, glasses and physio.
View extras cover
If you’d like cover for hospital and extras, you can mix and match our products to create your own combined health cover.
Build your own cover
Basic Hospital Plus & Basic Extras
Low cost hospital cover for the basics, combined with extras cover for 7 services including General Dental, Optical, Physio and more.
Each person covered gets their own annual limits for extras.
Basic Hospital Plus Elevate & Flex 50
Affordable hospital cover for a selection of commonly used treatments, combined with flexible extras cover that gives 50% or more back on 14 popular services.
Bronze Hospital Plus & Flex 60
Budget-friendly hospital cover for a range of treatments, combined with flexible extras cover that gives 60% or more back on 14 popular services.
Gold Hospital Elevate & Flex 50
Top hospital cover for all treatments, combined with flexible extras cover that gives 50% or more back across 14 popular services.
Budget-friendly hospital cover for a range of treatments, combined with flexible extras that gives 60% or more back across 14 popular services.
Gold Hospital Elevate & Complete 60
Top hospital cover for all treatments, combined with complete extras cover that gives 60% or more back across all services, including Orthodontics.
Bronze Hospital Plus & Flex 50
Budget-friendly hospital cover for a range of treatments, combined with flexible extras cover that gives 50% or more back on 14 popular services.
Silver Hospital & Flex 60
Great value hospital cover for many treatments, combined with flexible extras cover that gives 60% or more back across 14 popular services.
Standard Overseas Visitors cover & Basic Extras
Working Visa Hospital and Medical cover & Flex 50
Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.
All our Hospital cover options include cover for a private room at a private or public hospital1.
If you need someone to stay with you while you’re in hospital, we’ll cover the cost of their meals and accommodation2.
Taking out any one our Hospital cover options will help you avoid the Medicare Levy Surcharge tax.
On most of our Extras cover options, we reward our loyal members by increasing the amount you can claim the longer you stay with us3 4.
100% back on your first scale and clean each year5.
Urgent ambulance cover by road for as many trips as you need. Available on most Hospital and Extras cover options3.
Understand how your cover works and how to get the most out of it with tips and tools, plus exclusive member offers
Find out how long you could wait at your local public hospital for five of the most common elective surgeries.
Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.
Switch to HBF
Also known as Health cover, Health insurance is an umbrella term for the two types of insurance that can help cover your healthcare costs: Hospital insurance and Extras insurance.
With HBF, you can buy either one by themselves, or mix and match a Hospital and Extras product to create your own health cover.
See our explained section for a more in-depth look into private health insurance.
You can also get insurance just for ambulance.
Also known as Hospital cover, Hospital insurance helps cover costs when you’re admitted to hospital. It covers things like your doctors’ fees, accommodation and theatre fees.
Hospital insurance is what you need to avoid the tax (Medicare Levy Surcharge) and the turning-31 thing (Lifetime Health Cover loading).
Learn more about hospital cover
Also known as Ancillary cover or Extras cover, Extras insurance helps cover the cost of everyday healthcare services—that’s for things like dental check-ups, physio appointments and glasses or contacts.
Extras insurance does not help you avoid the Medicare Levy Surcharge tax; for that, you need Hospital insurance.
Learn more about extras cover
You can get health cover for yourself, you and your partner, or for your whole family. Generally, there are four categories of membership:
At HBF, we choose to cover your children for free if they’re on your family policy. They’ll be covered until they reach 25, provided they’re not married or living in a de-facto relationship, and are either:
No, unfortunately there isn’t. Most health funds, including HBF, have a 12-month waiting period for pregnancy and birth cover. This helps stop people from signing up for health cover, claiming and leaving soon after, which drives up premiums for all other members of the health fund.
There are two types of health funds: not-for-profit and for-profit.
A not-for-profit health fund, like HBF, uses the money it accumulates through premiums to pay for the cost of its members’ claims and to run the business. They don’t have shareholders to pay, so they can dedicate themselves to taking care of their members’ health.
Not-for-profit funds use any surplus earnings to give their members a better health care experience, which can come in the form of lower premiums or new benefits.
Unlike other forms of insurance, health insurance in Australia is community-rated, not risk-rated. Health funds can’t stop someone from joining or change the price of health insurance based on risk factors like age, gender, lifestyle or physical condition.
Community rating means regardless of how likely you are to claim, everyone is entitled to pay the same base price for the same health insurance policies. It also means health funds must provide health insurance to anybody who wants it.
As a member based, not for profit organisation, we are committed to providing quality, affordable cover to our members.
From 2017 we discontinued our commercial affiliate arrangements with insurance comparison websites. This means that we do not pay commissions
to insurance comparison websites to sell our health cover.
We prefer to do this through direct conversations, helping you choose the right cover for
your life stage and individual needs. Not paying a third party also means that we can focus on giving as much back to our members as possible.
The World Health Organisation has announced that COVID-19 (Coronavirus) is a pandemic.
The situation is rapidly evolving across the globe and within Australia. For the most up to date information we strongly advise you check
the Department of Health website or the World Health Organisation website.
Learn more about COVID-19 and health insurance.
We'll help you find our best cover that suits your needs.
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