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
If you’re being referred for a hospital or significant medical treatment, call us beforehand on 133 423
or visit a branch for in-depth details of what you’re covered for and information
that could help minimise your out-of-pocket costs.
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