Relationship difficulties, separation, and divorce
Difficulties in or breakdown of a relationship can be difficult. Changes in living arrangements may also put strain on
How HBF can help
You or your partner can transfer off one HBF health policy to another and, as long as you’re up-to-date with your
premium payments, HBF will recognise the waiting periods that you have already served. If you’ve partly served your
waiting periods, you will only need to serve the remaining time before being eligible to claim.
However, if the member leaving the policy moves to a product with increased benefits or services, waiting periods will
Depending on your circumstances, you may need to also register for the Australian Government Rebate on Private Health
Insurance. However, if the member who leaves the policy was entitled to a higher rebate than you and you are the only
remaining adult left on the policy, you may be entitled to retain the rebate at that higher level.
If you need to change your policy as a result of a change in your relationship, give us a call on 133 423.
We can discuss your options and help you sort out the best cover for yourself and/or your family.
There are many organisations that offer professional advice and counselling for people experiencing relationship
Family Relationships /
1800 050 321: Australian Government resource offering guidance, along
with links to other services that support people working through relationship problems
Relationships Australia / 1300 364 277:
Support groups and counselling
Adding a child in your care to your policy
If you are the guardian of a child, including an adopted, foster, or surrogate child, you may want to add them to your
How HBF can help
For a child to be added to your policy, they must be under you or your partner’s legal control, be totally dependent on,
and living with you.
We usually require proof of parental responsibility and this may be in the form of a court order from the Children’s or
Family Court, or a letter or document from an appropriate government department or party like the child’s school
principal or doctor. They will need to confirm that you are the guardian and have been parenting the child for a period
To add a child to your policy please give us a call on 133 423. We can discuss your options and help you sort out the
best cover for you and your family.