Help Centre

Health insurance explained

Learn how private health insurance works and the benefits of being covered.

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Frequently asked questions

Find quick answers to our members' most common questions.

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HBF is a not-for-profit health fund. A not-for-profit uses any money it makes to further its business objectives and cover the cost of running the business, like paying utilities bills and staff. Any surplus earnings (profits) are also used to help further the not-for-profit's mission.

For-profit businesses have the same overheads as not-for-profits, however they use some or all profits to pay shareholders or investors.

We offer private health insurance under hospital, extras, ambulance and overseas visitor covers. We don't offer any general insurance products such as home, life, car, travel or pet insurance.

No, we do not sell car insurance.

No, we do not sell home insurance.

No, we do not sell life insurance.

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