Managing an existing policy

If your young adult’s circumstances change – for example, they decide to stop studying full-time, please contact us to discuss your options.

Yes, but their parent/guardian must order it for them. Children aged 16 years and over can get a digital card provided their parent/guardian has already ordered a physical card.

Young adults 18 years and over can get their own digital card through myHBF or HBF App.

Young adults covered by a family policy can make their own extras claims if they have their own HBF member card. For hospital claims or to check coverage, we recommend young adults contact us first before seeking treatment.

No, you don’t need to keep your young adults covered until age 31. Keep in mind, if they are studying full-time and are not married or in a de-facto relationship, they can remain covered at no extra cost until age 31, or until their circumstances change - whichever happens first.

If you decide to remove your young adult from your policy, any waiting periods served under your current membership will carry over which means they won’t have to re-serve them if they take out their own cover within two months.

To make any changes to your policy, please contact us and we’d be happy to discuss your options with you.

It depends on the level of cover you have. We’ll include a quote for extended family cover when we write to you asking about your young adult’s study status. If you’d like to discuss your health cover needs, please contact us and we’d be happy to help.