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Health insurance explained
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Frequently asked questions
Find quick answers to our members' most common questions.
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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.
Does HBF sell car insurance?
No, we do not sell car insurance.
Does HBF sell home insurance?
No, we do not sell home insurance.
Does HBF sell life insurance?
No, we do not sell life insurance.
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