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Hundreds of thousands of West Australians have trusted HBF for their health cover for more than 70 years. We offer the same level of trust when it comes to protecting those you care about most if you were no longer capable of doing so. 

HBF is a member-focused organisation and believe that West Australians has the right to have access to quality advice when it comes to protecting your finances. 

We are proud to have our own qualified financial advisers who can walk you through what can so often be an emotional and overwhelming journey. Our advisers are passionate about helping you to protect your goals by offering quality life insurance, total & permanent disability insurance, trauma insurance and income protection insurance plans. 

A face to face consultation isn't for everyone. If you know what you want we also offer a comprehensive life insurance or funeral plan that you can organise yourself. 
Terms and Conditions

HBF Health Limited ABN 11 126 884 786, a corporate authorised representative of Charter Financial Planning Limited (Charter Financial Planning) ABN 35 002 976 294, Australian Financial Services Licensee Licence number 234665. Principal Address: 750 Collins Street PO Box 2830 Melbourne Victoria 3001. 

Charter Financial Planning is authorised to distribute and arrange for the issue of HBF Ezicover insurance products. Charter Financial Planning and its representatives do not accept any liability for any errors or omissions on information supplied on this website.

HBF Ezicover Life Insurance and HBF Ezicover Funeral Advantage are issued by Zurich Australia Limited ABN 92 000 010 195 of 5 Blue St, North Sydney, NSW 2060 AFSL 232510.

Before making a decision about the product you should consider the Ezicover Life insurance Product Disclosure Statement available from HBF or via

This website contains general advice and information only. You need to consider your personal objectives, financial situation and particular needs prior to making a decision. Zurich Australia Limited will only receive your personal details if you make an application for an HBF Ezicover life insurance product. If you buy a HBF Ezicover insurance product, HBF Health Limited will receive commission from Zurich of 20% (plus GST) of premiums paid.

* If you wish to cancel your health cover within 30 days, we'll refund any premiums you've paid provided you haven't made a claim. New HBF health members can claim straight away on all extras services with a 2 and 6 month waiting period.