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HBF
  • Find Cover

    Find Cover

    • Health insuranceGet covered, switch to HBF or learn more about health insurance.

      Health insurance

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    • Cover for my life stageFind cover for singles, couples and family.

      Cover for my life stage

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    • Hospital coverHelps cover your costs in hospital.

      Hospital cover

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      • Basic Hospital Accident Only
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    • Extras coverHelps cover the costs of everyday healthcare services.

      Extras cover

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      • Basic Extras
      • Flex 50
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      • Flex 60
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    • Common extras servicesFind the right cover for dental, optical and other services.

      Common extras services

      • Dental
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      • Mental health
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      • Nutrition and Dietetics
      • Remedial Massage
      • Compare extras cover
      • Use recommendation tool
    • Ambulance coverCover for ambulance transport by road.

      Ambulance cover

      • Urgent Ambulance
      • Ambulance Care
  • Use Cover

    Use Cover

    • myHBFManage your cover online.
    • How to use your coverSimple guides to help you understand and manage your cover.

      How to use your cover

      • Explore our how-to guides
      • Make a claim
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      • Find my member number
      • Make an online payment
    • Find a providerFind HBF providers and learn how you can save with HBF Member Plus.

      Find a provider

      • Provider search
      • HBF Member Plus
      • HBF Dental
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    • HBF AppManage your cover on the go.
  • Member Benefits

    Member Benefits

    • Health programs & servicesSupport for cardiovascular disease, osteoarthritis, diabetes and more.

      Health programs & services

      • What are health programs?
      • Weight management
      • Chronic health conditions
      • Joint pain
      • Mental health
      • Proactive health
      • Telehealth
      • Pharmacy
    • HBF Member PerksExplore special offers and member discounts.
    • Our partnersLearn how our health partnerships are benefiting HBF members.

      Our partners

      • Pharmacy 777
  • Guides & Support

    Guides & Support

    • Help Centre and FAQsAnswers to common questions and helpful resources sorted by topic.

      Help Centre and FAQs

      • Help Centre
      • Health insurance explained
      • Claims
      • Managing an existing policy
      • Member benefits and programs
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    • Guides and resourcesLearn about tax, rebates, mental health, hospitals and more.

      Guides and resources

      • Private hospital guide
      • Hospital procedure guide
      • Tax and rebates
      • Premium change 2025
      • Mental health resources
      • Switch to HBF
      • Overseas Visitor Health cover
      Check out our simple how-to guides to assist you in managing your HBF cover online, anytime

      Check out our simple how-to guides to assist you in managing your HBF cover online, anytime

      Explore now

    • Member assistanceSupport for challenges with finance, family, health and language.
    • HBF BlogExplore hundreds of blogs for trusted advice and support.
    • Contact HBFHowever you want to connect with us, we’re here for you.
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  1. HBF
  3. ...Support
  5. ...Help Centre
  7. Managing a...Managing an existing policy
  9. FAQsFAQs
  11. How is my premium calculatedHow is my premium ca...