Australia's lowest average premium increase
We’ve worked exceptionally hard to make our 2020 premium increase the lowest of all 35 health insurers in Australia. HBF’s CEO, John Van Der Wielen shares how we achieved this result.
Cover to suit your needs
Tell us a little about yourself and your health needs, and in two to three minutes we'll find our best cover to suit your needs.
All the important information you need to take control of your health insurance.
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.
Register for myHBF
Make a claim anytime, anywhere with HBF’s Health App. Simply take a photo of your receipts and submit for fast
Find out more about the HBF Health App
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
View your personalised policy details, including the value of your cover, details of what you’re covered
and annual limits at any time by logging into myHBF.
Contact HBF on 133 423 or visit a branch for any of the
we’ll tell you if you need to supply any extra information and if additional waiting periods will apply
HBF has a range of policy categories to suit your circumstances:
On most Family and Parent Plus policies your children will be covered at no extra charge until the end
year they turn 18, unless they’re married or in a de facto relationship. We will also cover your
up to the age of 25, provided they are:
Additionally, you won't need to pay an excess for your children if they stay in hospital overnight on
levels of Hospital and combined cover.
All of your health documentation is available instantly at myHBF, including policy
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
correspondence and on your member card.
Access your tax statements and tax claims statements at any time by logging into myHBF.
Each year throughout June and July we’ll also mail you your HBF
private health insurance tax statement.
If you want to make changes to your policy, for example changing your Flexi Extras services or upgrading
your health insurance products, contact us and we’ll discuss your options
You’ll be asked whether you’d like to receive policy-related communications electronically or by mail
sign up. These messages are the essential things you need to know about your cover, like tax statements
Your preference will default to mail if you don’t choose either, but you can easily change to email
at any time for a fast, secure and paper-free way
us to contact you, by;
HBF might also contact you (by phone call, text or email) about exclusive member benefits, insurance
and health services we think you might be interested in. You can opt-out of receiving this marketing
from HBF by logging into myHBF. Don’t worry, important notifications about your
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
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
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:
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
HBF provides comprehensive cover across Australia, though premiums and some benefits can vary from 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
through this difficult time. We’ll cancel your policy or move remaining family members to a different
type (where appropriate), and there may be a refund in your premium.
You can access our complaints handling process by visiting your nearest HBF branch, by contacting an HBF
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
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
Email: firstname.lastname@example.org Visit: ombudsman.gov.au
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
of our members’ personal information is fully protected. We are bound by the Australian Privacy
(APPs) set out in the Privacy Act.
of how HBF handles your personal information. For comprehensive information on how we collect, hold,
and disclose your personal data, see our new
Privacy Collection Statement.
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