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Premiums are calculated based on the level of cover, Australian Government Rebate and Lifetime Health Cover loading. To find out more, visit understanding your premium.

HBF provides health insurance products in Western Australia, South Australia, Victoria, Tasmania, New South Wales, Australian Capital Territory, Queensland and Northern Territory.

We acknowledge the Traditional Owners of the lands and waters where we live and work. We want to play our part in ensuring that our shared presence brings genuine benefit to First Nations people. View our Reconciliation Action Plan to learn more.

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