FREQUENTLY ASKED QUESTION

How much will I get back?

Where your treatment is an included service on your hospital cover, your hospital cost will either be fully covered or partially covered depending on the type of agreement your health fund as with your specialists and hospital. With HBF, when you’re admitted to hospital for treatment you will get 100% back for the cost of your hospital accommodation and specialists so long as you choose providers that have ‘no-gap’ (otherwise known as ‘fully covered’) agreements.

Just be aware of out-of-pocket costs, which can include excess or co-payments, as well any outpatient services if your chosen product doesn't cover these. If your cover includes treatment for outpatient services, benefits vary between 85% to 100% of the Medicare benefit Schedule, depending on which level of cover you choose.