Choose a Member Plus hospital
HBF has a large network of hospitals across Australia, which help keep your out-of-pocket costs to a minimum.
In Member Plus hospitals you’ll be covered for accommodation and theatre fees for all
agreed services on your policy, less any co-payment or policy excess.
Choose a fully covered provider
When you have a hospital treatment you’re charged separately by both the hospital and the specialist who carries out the
procedure. HBF’s network also includes a large number of fully-covered specialists, so you can keep your costs down by
choosing a fully-covered specialist for your procedure. Check if your specialist will be fully covered using our Find
a Provider tool.
Be aware that just because you’re booked into a Member Plus (i.e. fully-covered) hospital doesn’t mean your specialist will
automatically be fully covered too. Check with us before you book to make sure you know what you’re covered for.
Talk to us before your treatment
We know your cover inside out, so contact us before you book a hospital stay or significant medical treatment and we can
help you reduce those out-of-pocket costs.
You can also use the Quote Calculator in myHBF to work out how
much you’ll get back and any out-of-pocket costs for your Extras treatment.
Don’t forget to also always ask for a quote from your specialist, and discuss how they can help eliminate your out-of-pocket
Take out HBF GapSaver
GapSaver is a smart way to reduce or avoid paying unavoidable ‘gaps’ when you use your health cover, which is the difference
between the cost of your treatment and what’s covered. The money you put into it (an extra contribution on top of your
policy premium) never expires, accumulates over time and can be used to help cover costs of both hospital and extras
Plus, depending on your income, you may be eligible to access the Australian Government rebate on private health insurance
and could get a refund of up to 25.934% for any GapSaver contributions you make. This means you could earn more GapSaver
dollars than you actually pay in GapSaver contributions.