
Things you should know
Lost tax savings
Waiting periods
Public hospital waiting lists
Lifetime Health Cover loading explained
Frequently asked questions
I'm having trouble affording my health insurance premiums, what support is available to me?
Read more on how to save on health insurance.
I want to switch to another health insurance fund.
- Not for Profit – with no shareholders to pay, our members are our number one priority
- Mix and match our hospital and extras products to create cover that’s right for you
- Experience you can trust – we’ve been helping our members navigate health insurance and the healthcare system for over 80 years
I don’t feel like i’m getting value from my health insurance. How can i get more from membership?
Here are three quick ways to get more value:
- Use your cover in everyday life, not just to fix you when you’re broken. Here’s a cheat sheet with more than 15 ways to get more value, including special deals, discounts and programs you may not know about.
- Use the HBF Member Plus network to help minimise your out-of-pocket costs.
- Change your level of cover to better suit your needs. Try our 3 minute recommendation tool.
Can I pause my cover when travelling overseas?
How do I cancel my health cover?
We want you to be absolutely sure that your new health cover is the right fit for you. That's why we give all new members a 30-day 'cooling-off' period, commencing on the start date of your new policy. This means you can cancel within the 30 days and receive a refund on the premiums you've paid, as long as you haven't made a claim.
If you're an existing HBF member and you've changed your level of cover, the 30-day cooling-off period also applies from the date your new level of cover starts. You can return to your previous level of cover and receive a credit for the extra premiums you've paid, as long as you haven't made a claim on your new level of cover.
If you're thinking about cancelling your cover, please contact us.





