Specsavers exclusive HBF offer
For a limited time, get 2 pairs from the $149 range with no gap*!
Are you under 35?
Find out why people like you have health cover, what your options are and what you might need cover for.
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.
We need to confirm your location to show you the correct content, products and pricing.
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.
Content, products and pricing information is different for people living outside Western Australia.
The product you’ve selected isn’t available for purchase in your state.
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.