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
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
- Thousands of HBF Member Plus providers nationally
- Great benefits for dental
- Also for optical, hospital and 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
You could save on taxes
The Medicare Levy Surcharge (MLS) is a
applied to people who don’t have an appropriate level of hospital cover and from July 1 2023:
The tax is designed to encourage Australians to get hospital cover and use private hospitals. This
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.
Get a policy health check
Our lives are constantly changing and it's all too easy to let your health insurance fall out of step
with your needs.
A Policy Health Check is a conversation about your cover,
to make sure it still suits you and your budget.