Think you know everything about HBF? You might be surprised.
Basic Hospital Plus & Basic Extras
Bronze Hospital Plus & Saver Flexi Extras
Gold Hospital & Saver Flexi Extras
Gold Hospital & Flexi Extras
Bronze Hospital Plus & Standard Extras
Silver Hospital & Standard Extras
Standard Overseas Visitors cover & Basic Extras
Working Visa Hospital and Medical cover & Standard Extras
Stay in a private room
All our Hospital cover options include cover for a private room at a private or public hospital1.
Have your loved one stay with you
If you need someone to stay with you while you’re in hospital, we’ll cover the cost of their meals and accommodation2.
Avoid the Medicare Levy Surcharge
Taking out any one our Hospital cover options will help you avoid the Medicare Levy Surcharge tax.
Higher annual limits for loyal members
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.
Unlimited preventative dental
Claim as many times as you like during the year for preventative dental services like scale & cleans and dental x-rays with HBF Extras cover3 4.
Unlimited urgent ambulance
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
We’ve got over 140,000 members aged 25-34. Find out why people like you have health cover, what your options are and what you might need cover for.
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.
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).
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.
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 maternity 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.
We need to confirm your location to show you the correct content, products and pricing.
Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.
Content, products and pricing information is different if you live in Western Australia.
The product you’ve selected isn’t available for purchase in your state.
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.