Get 6 weeks free cover

Eligible new members get 6 weeks free on eligible combined cover after 6 months with us. Offer ends 30 June 2020. Learn more.

Do you need hospital, extras or both?

Health cover is just an umbrella term for two types of health insurance—Hospital cover and extras cover. Find out what you need with this quick guide.

Hospital cover

Covers you when you’re admitted to hospital, and will help pay for things like specialist fees, accommodation and theatre fees.

View hospital cover

Extras cover

Covers a bunch of everyday health care services Medicare generally doesn’t, like dental, glasses and physio.

View extras cover

Combined hospital and extras

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

Find the right private health insurance for you

Choose a life stage and we’ll show you our most popular hospital & extras cover combinations for people like you.

Basic Hospital Plus & Basic Extras

Hospital cover for a few common services, combined with Extras cover for 7 services including General Dental, Optical, Physio and more.

Bronze Hospital Plus & Flex 50

Hospital cover for a range of services, combined with flexible Extras cover that gives 50% or more back on 12 popular services.

Cover to suit your needs

Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.



Why trust HBF as your health insurer

Looking after Australians for over 75 years
We always put our members first
We're a not-for-profit organisation, so we focus on giving more back to members

HBF health members also get access to great discounts and health programs

  • Join the gym for less with discounts on gym membership6
  • Work out in style with discounts on fitness apparel6
  • We’ll help you get well with telephone health coaching and other free health programs7
  • Say goodbye to sniffles with a free flu vac every year7

Switching to HBF is as easy as 1, 2, 3

Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.

  1. Choose health cover that suits your needs.
  2. Buy your health cover online. If you’d prefer to chat, visit your local branch or call 133 423.
  3. Tell us the name of your old insurer and we’ll do the switching paperwork for you.

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).

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:

  • 1 adult (Single)
  • 2 adults (Couple)
  • 1-2 adults and any number of dependent* children (Family)
  • 1 adult and any number of dependent* children (Single Parent)

*A dependant is a person who doesn’t have a partner and is under the age of 18

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:

  • Not earning a taxable income of more than $24 500 pa; or
  • A full-time student

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.

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.

Get in touch with HBF

We'll help you find our best cover that suits your needs.