Private Hospital Guide

Understand your hospital cover and reduce stress during your stay with our simple hospital guide.

Everything you need to know about private hospital

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.

Understanding the private hospital system

Private health insurance explained
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Private vs. public hospitals
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What is Lifetime Health Cover loading?
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Are you eligible for a rebate?
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What is the Medicare Levy Surcharge?
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Knowing what you’re covered for

Understand your hospital cover
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Waiting periods explained
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Hospital out-of-pockets explained
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Using your hospital cover

How to save on medical bills
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Access Gap Cover explained
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What is HBF Member Plus?
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Preparing for hospital
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Recovering from hospital
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