Skip to main content
Make a claimPay HBFFind a provider133 423
  • Find Cover

    Find Cover

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

      Health insurance

      • Explore health insurance
      • Switch to HBF
      • New to health insurance
      • Overseas Visitors Health Cover
      • Use recommendation tool
    • Cover for my life stageFind cover for singles, couples and family.

      Cover for my life stage

      • Singles
      • Couples
      • Families
      • Single Parents
      • Use recommendation tool
    • Hospital coverHelps cover your costs in hospital.

      Hospital cover

      • Explore hospital cover
      • Basic Hospital Plus
      • Basic Hospital Plus Elevate
      • Bronze Hospital Plus
      • Silver Hospital
      • Silver Hospital Plus
      • Gold Hospital Elevate
      • Compare hospital cover
      • Use recommendation tool
    • Extras coverHelps cover the costs of everyday healthcare services.

      Extras cover

      • Explore extras cover
      • Basic Extras
      • Flex 50
      • Flex 60
      • Complete 60
      • Top 70
      • Compare extras cover
      • Use recommendation tool
    • Common extras servicesFind the right cover for dental, optical and other services.

      Common extras services

      • Dental
      • Physio
      • Optical
      • Mental health
      • Chiropractic
      • 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
      • Ways to pay
      • Check your cover
      • Update your cover
      • Suspend your cover
      • Get more value from your cover
      • 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
      • HBF Physio
    • 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
      • Information for health providers
    • 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 2024
      • Mental health resources
      • Switch to HBF
      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.
Get a quoteRetrieve quoteLog in
  1. HBF

  3. ...

  5. Help Centr...

  7. Health ins...

  9. Gap Saver

Helpful Article

Gap Saver

Find out how GapSaver works and how you can use it to reduce your out-of-pocket costs.