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.*
Avoid surprise costs and get the most from your membership by finding out what you’re covered for.
You can access your product sheet by logging into myHBF to see exactly what you can claim on and how much you can claim.
Understand what your extras cover can offer.
Find out how hospital insurance works.
You’re covered the moment you purchase your health insurance policy, but you may have to wait before you can make a claim.
All health funds, including HBF, have waiting periods before you can claim to stop people from signing up, claiming and
leaving without making a significant contribution to the fund pool.
Never had health insurance
Upgraded your level of cover
Rejoined after a break from cover
Check your policy documents in myHBF for details on your waiting periods.
Find out more about waiting periods and how they affect your cover.
Find out what to expect with our hospital procedure guide.
If you’re being referred to hospital or for a significant medical treatment, it’s important to get in touch with us first to check your cover.
Call us on 133 423
or visit a branch for in-depth details of what you’re covered for, the benefits payable, and information that could help minimise your out-of-pocket costs.
What details do I need to provide?
In order to provide a benefit quote, we must have the full details of all item numbers, associated charges and provider numbers related to your health event. Please ask your provider for these details.
We will also take into consideration your current level of cover, relevant waiting periods and pre-existing conditions.
We need to confirm your location to show you the correct content, products and pricing.
If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location.