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Compare our products to find a private health cover option that will suit your lifestyle and budget.
Hospital only cover
Choose from 4 Hospital only cover options, which help cover costs when you’re
admitted to hospital. From basic to comprehensive cover, HBF has a hospital insurance option
to suit you.
Extras only cover
Choose from 2 Extras only cover options, which help cover the cost of out-of-hospital
services like dental or physio. From standard extras policies to fully customisable cover,
HBF has an extras insurance option to suit you.
Get a recommendation and we’ll find you the perfect cover, tailored
to your needs and budget.
Health insurance can be confusing. Discover what it is, how it works and whether it’s right for you.
Health insurance helps cover the cost of your health care. With it, you can claim a sum of money from your health fund, which will help cover the cost of your treatment. There are two main types of health insurance: hospital and extras. You can buy these separately, or as a combined package. You can also get health insurance just to cover ambulance.
Hospital insurance helps cover costs when you’re admitted to hospital. It includes things like your doctor’s fees, accommodation and theatre fees. If you’re a high income earner, with an appropriate level of hospital insurance, you won’t have to pay the Medicare Levy Surcharge.
Extras insurance helps cover the cost of everyday health care services where Medicare doesn’t generally pay a benefit, like a visit to the dentist, optometrist or physio. Extras insurance does not help you avoid the Medicare Levy Surcharge; for that you need appropriate hospital insurance.
The Australian Government introduced the Medicare Levy Surcharge (MLS), Lifetime Health Cover (LHC) loading and the Rebate on Private Health Insurance to encourage people to get health insurance and relieve the burden on the public system.
When something happens with your health, we’ll get you back to what’s important to you. We’re ready for it and we’ll make sure you are too.
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