FREQUENTLY ASKED QUESTION

What is health insurance?

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 Health insurance explained

Extras cover

Also known as health cover, health insurance is an umbrella term for the types of insurances available to help cover your healthcare costs in Australia: hospital insurance and extras insurance.

Hospital insurance

Also known as hospital cover, hospital insurance helps cover some of the costs when you're admitted to hospital. It can help cover some of the costs for things like doctors' fees, accommodation and theatre fees.

Extras insurance

Also known as ancillary cover or extras cover, extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. These services are generally not covered by Medicare.

With HBF, you can choose to purchase hospital or extras insurance on their own, or you can buy both to create a combined policy.

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