Tips to help
keep costs down

Australian health insurance premiums are reviewed every year. No matter what those changes might be, these little tips could help you save a lot.

These little tips could help you save a lot

Australian health insurance premiums are reviewed every year. No matter what those changes might be, these little tips could help you save a lot.

Pay in advance to ‘lock in’ your current premium

If your HBF premium is changing, it will change on the 1st of April each year.

At HBF, you can pre-pay before 1 April to 'lock in' the current rate. Get the details about the 2023 rate change and more on our Frequently Asked Questions page.

Minimise your out-of-pockets with HBF Member Plus

Member Plus is a network of providers who have partnered with us to help minimise your out-of-pocket costs.

Thousands of HBF Member Plus providers nationally
Great benefits for dental
Also for optical, hospital and more

Learn more

Save on hospital bills

When it’s time to visit hospital, follow these steps.

Choose an HBF Member Plus hospital
Talk to us before your treatment
Stay in-the-know with the info below

Learn more

You could save on taxes

The Medicare Levy Surcharge (MLS) is a tax applied to people who don’t have an appropriate level of hospital cover and from July 1 2023:

earn over $93,000 as a single
earn over $186,000 as a couple/family*

The tax is designed to encourage Australians to get hospital cover and use private hospitals. This reduces demand on the public health system.

You can avoid this tax by getting hospital cover. It's good to note that the cost of the Medicare Levy Surcharge often exceeds the cost of getting hospital cover.