FREQUENTLY ASKED QUESTION

What is 'community rating'?

See more FAQs in

 Health insurance explained

About HBF

In Australia, insurance is either 'community rated' or 'risk rated'. Health insurance is 'community rated'. Community rating is part of private health insurance legislation and dictates that everyone living in the same state is entitled to get private health insurance and pay the same base price for the same health insurance policies. This means health funds cannot set a person's health insurance premium using individual factors like age, gender, lifestyle or physical condition.

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.

FacebookInstagramLinkedInYouTube

© 2026 Copyright HBF Health Limited - (ABN) 11 126 884 786 and its subsidiaries.

Accessibility
Sitemap