Health insurance explained

Frequently asked questions

Find quick answers to our members' most common questions.

Displaying 5 of 11 results

What Is exercise physiology?

Exercise physiology involves using tailored exercise programs that can help to manage medical conditions such as diabetes, heart disease, cancer, and mental health issues. These programs are delivered by Accredited Exercise Physiologists (AEPs) registered with Exercise & Sports Science Australia (ESSA).

Is exercise physiology covered under HBF Extras?

Yes. HBF includes exercise physiology in Value 50, Flex 50, Flex 60, Core Extras, Complete 60 and Top 70 extras covers. Exercise physiology shares a combined annual limit with other services and the benefits payable vary, so it’s important to choose the right cover to suit your needs.

Are there waiting periods for exercise physiology?

Yes. A 2-month waiting period applies before you can claim for exercise physiology services. Waiting periods also apply to upgraded cover.

What is a not-for-profit health fund?

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.

What types of insurance does HBF offer?

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.