New HBF digital member card
Who needs another card in their wallet? Download the digital member card and use your phone to tap and claim at a HICAPS or Smart Health terminal for your covered extras services.*
Whether you’re purchasing hospital cover for the first time or preparing for your hospital stay as an HBF member, we’re here to support you. We’ve pulled together a collection of articles to help you understand hospital insurance so you can get the most value from your cover.
We explain what health insurance is, how it works and how it could benefit you.
Discover the differences between the private and public hospital systems, and what your options are as a private patient.
Find out how the Lifetime Health Cover loading works and how it might affect you.
Find out more about the Australian Government Rebate on private health insurance.
Find out how the Medicare Levy Surcharge works and whether it will affect your tax return.
A simple guide to hospital cover and how it works.
We break down what waiting periods are, why we have them and how they affect you.
Sometimes you’ll have to pay for part of a treatment out of your own pocket. We explain when this happens and how to minimise the cost.
We share what you need to know about going to hospital so you can feel more confident about your stay.
Understand your hospital cover and reduce stress during your stay with our simple hospital guide.
What to expect when you’re leaving hospital - and how we can help you on your road to recovery.
HBF Member Plus is a large network of health providers that helps members get more value and minimise out-of-pocket expenses.
Learn how we can help you spend less on looking after your health.
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