Health cover changes

On 1 January 2022, some of our cover options are changing.

What is changing with HBF’s health cover?

  • In order to keep delivering affordable and valuable health insurance to our members, some cover options will no longer be available. Read more in the Product Transfer Frequently Asked Questions.
  • We are also making changes on some cover options. Read more in the Product Change Frequently Asked Questions.
  • These changes will take effect on 1 January 2022.
  • If these changes affect you, you’ll receive an alert on myHBF, an email or a letter with further details.

We’ve also provided answers to some questions you might have right here. If you still have questions, you can call us on 1300 550 296 or book a branch visit.

Frequently asked questions

Product Transfer

Why has my cover changed?

Our priority is to remain a sustainable, member-focused organisation that continues to provide affordable and valuable health insurance products for all our members.

As the health insurance market changes over time, we need to continuously review and assess the range of products we offer and the coverage they provide.

Our recent review has shown that our products need to change in order to make health cover simpler for all our members at a reasonable price.

Why did you choose this new cover for me?

The new cover chosen takes into consideration the closest match to your current cover, including the services covered and the premiums you pay. If you would prefer to select a cover that is different to the one chosen for you, we can help find another that may better suit your needs.

Can I choose a different level of excess?

Yes. On most of our products, we offer multiple hospital excess levels. These excess levels will be dependent on the hospital products you choose to be transferred to.

What do I do if I have an upcoming Hospital or Extras treatment for an affected service?

Hospital treatment

If your hospital treatment is booked by 31 December 2021 or you already have a valid written benefit quote from HBF, your excess for this treatment won't change.

If you are undertaking a course of treatment when the change takes effect, your excess will not be impacted unless the course of treatment continues beyond 30 June 2022.

Extras treatment 

As of 1 January 2022, you will only be able to claim for extras services on your new extras cover. 

There is a grace period until 1 March 2022, where you can change your Extras to a product that covers a service you were previously covered for and have your waiting period waived.

What waiting periods will I have to serve when I’m transferred to the new cover you have selected for me?

You won’t have waiting periods for any additional coverage, provided you have served all waiting periods on your current cover. If you have any upcoming treatment, please contact us to receive a benefit quote.

Frequently asked questions

Product Changes

Why has my cover changed?

Our priority is to remain a sustainable, member-focused organisation that continues to provide affordable and valuable health insurance products for all our members. 

As the health insurance market changes over time, we need to continuously review and assess the range of products we offer and the coverage they provide. 

Our recent review has shown that our products need to change in order to make health cover simpler for all our members at a reasonable price.

Will my dental benefits change at 1 January 2022?

We are making some changes to set dental benefits on some health covers. We have summarised these changes in the Change Summary for your cover sent to members in October 2021. For a full list of your dental benefits available at 1 January 2022, please refer to the new Dental Schedule for 1 January 2022.

If you have a health cover with percentage benefits for dental, this percentage will not change.

What are my waiting periods for the new services, benefits or limits on my cover?

You won’t have waiting periods for any additional coverage, provided you have served all waiting periods on your current cover. If you have any upcoming treatment, please contact us for a benefit quote.

What is an orthodontic lifetime limit?

The total amount of benefits you can receive for orthodontic treatment in your lifetime. Orthodontic benefits that you receive from all health funds count towards your Lifetime Limit. If you’ve claimed for orthodontics and reach your lifetime limit, HBF will not pay any further benefits towards orthodontic treatment for the duration of your membership with HBF, even if you cancel your policy and re-join in future. Read more about orthodontics.

Will I still get my fully covered scale and clean?

You can still get 100% back on your first scale and clean each calendar year at a Member Plus provider, subject to not exceeding your combined annual limit. If you have used all of your annual limit, you would need to wait until the next calendar year to receive a benefit for this service.

Please consider this in conjunction with communications sent to impacted members regarding cover.

Get in touch with HBF

We'll help you find our best cover that suits your needs.