FREQUENTLY ASKED QUESTION

What is Essential Silver Hospital?

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 Health insurance explained

Hospital cover

Essential Silver Hospital is HBF’s most affordable Silver‑tier hospital cover. It includes Accident cover* (from the day after you join), private room accommodation* where available, unlimited urgent road ambulance*, and cover across all Silver-tier hospital treatment categories. Key inclusions are Heart and vascular system, Podiatric surgery (provided by a registered podiatric surgeon), and Implantation of hearing devices.

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.

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

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