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 HBF Member Perks including discounts on gym membership, eye care, entertainment and more.