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Save on health cover

The tips and tricks you need to know to get the most out of your health insurance.

Review your excess

You can reduce your hospital insurance premiums without reducing what you’re covered for by adding an excess.

Don’t pay more for Lifetime Health Cover Loading

You’ve probably heard about the Government’s Lifetime Health Cover loading which can happen when you turn 31. Basically you can avoid paying more on your hospital insurance by getting cover earlier in life.

Use your Extras cover

If you have HBF Extras cover, don’t forget to use your annual limits by December 31st as most services refresh every new calendar year.

Suspend your cover

You can suspend your cover if you’re planning on going overseas for a while, which means you can save money on health insurance premiums while you’re not in Australia, and when you return you’ll be coming back to health cover that recognises your existing membership.

Use your discounts

HBF Members get access to a great range of Momentum member benefits including discounts on gym membership, eye care, entertainment and more.


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Please select your state or territory

We need to confirm your location to show you the correct content, products and pricing.

Change your state or territory

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.

WA NSW VIC SA TAS NT QLD ACT I'm visiting from outside of Australia