Blog article
How to choose the best health insurance for families

It’s the option that covers the important stuff for you and the kids – while avoiding cover you are unlikely to need. It’s the option that gives you great value back – while still fitting within your budget. It’s the option that delivers peace of mind and leaves you feeling like you’ve done a good job sorting your health cover.
Sound like an impossible combination?
No, it’s not. In three steps, we’re going to show you how to find it.
1. Make a list and tick it off
If you don’t know what you need, shopping for cover is a bit like going to the grocery store without a list. You’ll wander the aisles unsure of what you need and likely miss out on some important things you might need later.
Make a list of things you know you want cover for, and then shop.
This list of ‘must-haves’ will do three things for you.
- It will save you time as you look through the (rather confronting) list of services included on different levels of cover.
- It could help you save money by identifying what you’re unlikely to need cover for.
- It will help you protect your family by keeping the important stuff at the front of your mind while you shop.
This tip might seem simple, but the trick is understanding what services match your family’s needs.
Below you will find two quick cheat sheets for this process. One is for hospital cover, and one is for extras cover.
Note: These lists apply to HBF’s health cover. Service inclusions on other health funds’ cover options may vary.
Hospital cover cheat sheet
Consider things that could send you to hospital. These are the things you might need hospital cover for.
Ask yourself: | If the answer is yes, consider this service: | And which health cover includes that service? |
---|---|---|
Do you want just the basics – budget-friendly hospital cover just in case? |
Accident cover | |
Do you have kids under age 10? |
|
Basic Hospital Plus Elevate or higher |
Do you want cover for broken bones and common sports injuries? |
|
Basic Hospital Plus Elevate or higher |
Do heart conditions run in your family, or are you over 45? |
Heart and vascular systems |
Silver Hospital or higher |
Are you over 55? |
| |
Are you planning on having more kids in the future? |
Pregnancy and birth | |
Does your family have a history of any certain conditions? |
Search for your condition in hospital cover |
Gold Hospital Elevate is our highest level of cover for peace of mind |
Extras cover cheat sheet
Do you or the kids wear glasses? Maybe the little ones are going to need braces in a few years? What about Physio? Chiro? Mental health? This is where extras cover comes in.
The more of these you put on your list, the more likely it is that your family could benefit from extras cover.
Ask yourself: | If the answer is yes, consider this service: | And which health cover includes that service? |
---|---|---|
Does anyone wear glasses or contacts? | ||
Do you want cover for dental check ups? | ||
Could you see yourself getting injured and needing a physio or chiro? | ||
Do you want cover for mental health? | Flex 50 or higher | |
Do your kids have trouble communicating? |
Speech therapy | Core Extras or higher |
Will anyone need braces? | Core Extras or higher |
*Any extras cover currently available for sale
Beyond services, you’ll also want to consider annual limits, and what benefits you’ll get back – but we’ll talk about that later.