{{ vm.loadingText }}
Review and complete details to get a price.
from
$
{{ vm.myQuote.weeklyPrice }}/week
That's {{ vm.myQuote.totalPrice }} {{ vm.myQuote.paymentFrequency }}
Review quote
{{vm.myQuote.coverFor}} {{ vm.myQuote.coverScale }} in {{vm.myQuote.state}}, with no Australian Gov. Rebate. with a {{ vm.myQuote.rebate }}% Australian Gov. Rebate. Edit
from ${{ vm.myQuote.product.price }}/week
+
from ${{ vm.myQuote.extras.price }}/week  
  • Add-ons:
  • {{ addon.title}} ${{ addon.price}} /week (included)
from
$
{{ vm.myQuote.weeklyPrice }}/week
That's {{ vm.myQuote.totalPrice }} {{ vm.myQuote.paymentFrequency }}
Review quote
{{ vm.productAddedTitle }} {{ vm.productAddedSuffix }}
You're from Overseas
133 423

Waiting periods explained

Waiting periods explained

What waiting periods are, why we have them and how they affect you.

How waiting periods affect your cover

All health funds, including HBF, have waiting periods to stop people from signing up, claiming and leaving without contributing money (premiums) to the fund - which wouldn’t be fair to our other members.

A waiting period is a set amount of time from the day your policy starts during which you can’t make a claim from HBF. Waiting periods apply when you have:

  • Never had health insurance

  • Upgraded your level of cover

  • Rejoined after a break from cover

Waiting periods when you’ve switched health funds

You won’t have to re-serve waiting periods if you’ve switched from a different health fund, as long as your HBF cover includes the same services as your previous cover. If you’re part way through serving your waiting periods, we’ll honour the time you’ve already served.

It’s important to note that all health funds have different types of products so though we honour waiting periods you’ve already served on similar services included in your new HBF product, variances might still exist. This means you may have to serve additional waiting periods for:

  • Any new services
  • Services with increased benefits and annual limits
  • Services where only part of the waiting period has been served

Refer to your product sheet in myHBF or contact us before beginning treatment so we can provide a quote on what benefits you will receive.

Government maximums for waiting periods

The Government sets the maximum waiting period health funds can impose before you can make a claim. The maximum amount of time you’ll have to wait before making a claim is:

Pre-existing conditions
12 months
Maternity and assisted reproductive services (IVF)
12 months
Psychiatric, rehabilitation or palliative care
2 months
Major dental (root canals, crowns, bridges, implants and orthodontics)
12 months
Hearing aids and appliances
12 months to 36 months
Urgent ambulance
7 days
Non-urgent ambulance
30 days
Other services
2 months

Contact us for details of your personal waiting periods and the time you have left to serve. We can also provide a benefit quote, which tells you what you’re covered for and how much you will get back when you make a claim.

Pre-existing conditions

A pre-existing condition is one where symptoms were known to exist during the six month period prior to the date of joining HBF or transferring to a higher level of cover. It’s not necessary for the condition to have been diagnosed in this 6 month period – only that symptoms were, or would have been evident.

HBF will appoint an independent medical practitioner to examine information provided by your doctor, together with other relevant claim details, to assess whether a condition is pre-existing. If it is confirmed that you have a pre-existing condition, you’ll need to wait 12 months from when you joined HBF or transferred to a higher level of cover before you’re able to make a claim relating to that condition. Be aware that if you choose to go ahead with the treatment and it is found to be a pre-existing condition, you will be liable for all costs not covered by Medicare.


It looks like you're from Outside Australia

We need to confirm your location to show you the correct content, products and pricing.

No, I'm not from Outside Australia

Sorry, your product selection isn't available if you live outside Western Australia.

Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.

You're about to see content designed for people outside WA.

Content, products and pricing information is different if you live in Western Australia.

Oops! This product isn't available in your state

The product you’ve selected isn’t available for purchase in your state.

Please select your state or territory

We need to confirm your location to show you the correct content, products and pricing.

Change your state or territory

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.

WA NSW VIC SA TAS NT QLD ACT I'm visiting from outside of Australia
Would you like personalised pricing? Add product to your quote Edit your details
To show accurate prices relevant to you, we need to know a little about you first. Thanks for selecting your product. So we can proceed with your quote, please fill in the following details.
I want cover for:
Single
Couple
Family
Single Parent
Please select your cover type
Your level of cover is not compatible with this product
Are you an Australian resident?
Which type of visa do you hold?
Please select your Visa type
Please specify your Visa number
Please enter your 3-digit Visa number
Is your visa subject to the 8501 condition?
Please specify your choice
Hospital or package products in your quote may not be suitable for overseas visitors. If you continue, we'll remove these from your quote.
Some products may not be suitable if you are an Australian resident or don't meet the Visa requirements. If you continue, we'll remove these from your quote.
Hospital or package products are not suitable for overseas visitors.
Some overseas visitor products are not suitable if you are an Australian resident or don't meet the Visa requirements.
What is your DOB?
  • Please enter your birth date
    Our products are suitable for ages 18 to 101
    {{vm.dobMinAgeMessage}}
    {{vm.dobMaxAgeMessage}}
    Australian Government Rebate
    Where do you live?
    Please select where you live.
    Sorry, your product selection isn't available if you live in {{vm.stateLabel()}}. Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.
    Now that you've confirmed your location, we'll refresh the page with the most relevant content, products and pricing.
    Your product selection isn't available if you live in {{vm.stateLabel()}}. If you continue, we'll remove these from your quote and refresh the page with the most relevant content, products and pricing.
    You've changed your location. If you continue, we'll refresh the page to make sure you have the most relevant content, products and pricing.
    How often do you want to pay?
    Cancel (this option will show estimated pricing only). Cancel Cancel
    Find my cover
    Add to quote
    Save your details