Register for myHBF
Registering for myHBF is the easy way to manage your cover, claims and claim quotes. You’ll save time by going online - all
you need is your membership number.
Download the HBF Health App
Make a claim anytime, anywhere with HBF’s Health App. Simply take a photo of your receipts and submit for fast claiming on
View our frequently asked questions
If you’ve got a question about changing, updating and managing your HBF member account, this is where to start.
Change your contact details quickly by logging into myHBF and following the prompts. Alternatively - or if you need to change your name - you can contact us.
View your personalised policy details, including the value of your cover, details of what you’re covered for,
annual limits and GapSaver balances (where applicable) at any time by logging into myHBF.
Contact HBF on 133 423 or visit a branch for any of the following, and
we’ll tell you if you need to supply any extra information and if additional waiting periods will apply to
- Add a new partner You’ll need to upgrade from a Singles to a Couples policy.
- Remove partner For example, in the case of divorce or separation.
- Add dependants Such as foster children, adopted children, children under your guardianship
or children under 25 who are returning to full-time study.
- Add a new baby If you do this within two months of your baby’s birth,
the child will be fully protected from their date of birth and won’t have to serve any new waiting
HBF has a range of policy categories to suit your circumstances:
- Family policy - covers the primary policy owner, partner and all dependents up to the age of 25, provided
they meet the criteria below.
- Single parent - covers the primary policy owner and all dependents up to the age of 25, provided they meet
the criteria below.
On most Family or Single Parent (Parent Plus) policies your children will be covered at no extra charge until
the end of the year they turn 18, unless they’re married or in a de facto relationship. We will also cover
your children up to the age of 25, provided they are:
- Not married or living in a de facto relationship
- Either studying full time OR earning less than $24,500 taxable income per calendar year
Additionally, you won't need to pay an excess for your children if they stay in hospital overnight on most HBF
levels of Hospital and combined cover.
All of your health documentation is available instantly at myHBF, including policy documents,
your claims history, claim quotes, statements of benefits and tax statements.
Registering for myHBF is quick and easy, you’ll just need your member number which can be found on any of our
correspondence and on your member card.
If you want to make changes to your policy, for example changing your Flexi Extras services or upgrading or downgrading
your health insurance products, contact us and we’ll discuss your options with
If you just need to update your GapSaver level, you can do this by logging
in into myHBF.
You’ll be asked whether you’d like to receive policy-related communications electronically or by mail when you
sign up. These messages are the essential things you need to know about your cover, like tax statements and
Your preference will default to mail if you don’t choose either, but you can easily change to email notifications
at any time for a fast, secure and paper-free way for
us to contact you, by;
- Visiting myHBF
- Calling us on 133 423
- Emailing us at firstname.lastname@example.org
- Ticking the box as you complete an application form when you change cover
HBF might also contact you (by phone call, text or email) about exclusive member benefits, insurance products
and health services we think you might be interested in. You can opt-out of receiving this marketing information
from HBF by logging into myHBF. Don’t worry, important notifications about your health
cover won’t be affected.
If a person has been granted Power of Attorney to act on your behalf, simply fill out the Power of Attorney form and post it to us at: HBF, GPO Box C101, Perth WA 6809 or drop
it into your nearest branch.
You can also authorise a partner, friend or relative to manage your membership via myHBF.
The nominated person will be able to access and update your personal information, including making changes
to your policy, cancelling your policy, making payments and submitting claims.
If you’re going overseas for an extended period of time, you can suspend your health policy
until you return to Australia. If you suspend your cover before you leave Australia, you’ll
keep your length of membership benefits, you won’t have to re-serve any waiting periods when you return and
if you have hospital cover, you won’t have to worry about the Government’s Lifetime Health Cover loading
penalty. Different suspension periods apply for HBF products so be sure to read our full conditions below.
When you return to Australia, you need to;
- Contact us within 60 days of arrival to resume your cover,
- Provide proof of the dates you left and returned to Australia. We accept boarding passes or an international
- To be effectively covered, your premium will commence on the day you arrive back in Australia, not the day
you resumed your policy.
See the full conditions of suspending your cover
We offer complimentary Health Cover Protection, which is cover or a suspension of your membership for three to
nine months if you lose your job or can’t work due to illness, commencing from your last payment date.
You are eligible for Health Cover Protection if they;
- Have been issued a Centrelink Health Care Card for Newstart or Sickness Allowance,
- Have had 12 months continuous cover on a health policy at the time you apply for Health Cover Protection.
If you’re under 25, become unemployed and your parents have an HBF health family membership, you may be able
to be covered as a dependant on their policy during your period of unemployment. Conditions apply.
- Urgent Ambulance or Overseas Visitors members are not eligible for Health Cover Protection,
- Your entitlements are determined by the length of your HBF health membership.
HBF provides comprehensive cover across Australia, though premiums and some benefits can vary from state to state.
Contact us to see if your current health policy best suits your needs.
A family member should notify us in the event of your death, and we’ll do everything we can can to assist them
through this difficult time. We’ll cancel your policy or move remaining family members to a different policy
type (where appropriate), and there may be a refund in your premium.
Whitecoat is a health care directory, booking system and review website
that helps you find, choose and review providers based on over 400,000 customer experiences.
We joined forces with nib and Bupa to grow Whitecoat, to give you greater control and transparency over your
health care choices and will be asking you to add to the website’s healthcare reviews.
If you visit a dentist, optician, physiotherapist, podiatrist or chiropractor, we’ll send you a text or email
inviting you to leave an optional anonymous review on Whitecoat, rating the time it took
to get an appointment, your provider’s listening skills, how well they explained your treatment and whether
you would recommend them. You can also leave comments on your overall experience.
Whitecoat reviews are completely optional. If you don’t want to receive any more messages about Whitecoat, just
opt out of the SMS or unsubscribe from the Whitecoat email.
You can access our complaints handling process by visiting your nearest HBF branch, by contacting an HBF member
service advisor on 133 423 or by writing to us at GPO Box C101, Perth 6839.
If you are not satisfied with the outcome of your complaint, you can then ask to have it reviewed by the internal
dispute resolution process by addressing your concern to:
HBF Dispute Manager
GPO Box C101
PERTH WA 6839
Phone: 133 423 Fax: (08) 9265 6356
If a resolution is still not reached to your satisfaction you can contact:
Private Health Insurance Ombudsman
GPO Box 442
CANBERRA ACT 2601
Phone: 1300 362 072
Fax: (02) 6276 0123
We want you to be absolutely sure your new health cover is the right fit for you, so if you’re a new HBF member
you have a 30-day ‘cooling-off’ period from the start date of your new policy. This means you can cancel
within the 30 days to 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 to 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.
We process personal and payment details on a daily basis and are committed to ensuring that the privacy and security
of our members’ personal information is fully protected. We are bound by the Australian Privacy Principles
(APPs) set out in the Privacy Act.
of how HBF handles your personal information. For comprehensive information on how we collect, hold, use
and disclose your personal data, see our new
Privacy Collection Statement.