Health insurance explained

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, HBF do not pay commissions to insurance comparison websites to sell our health cover. We prefer to connect with you right from the start to make sure you get the right cover for your individual needs. Not paying a third party also means that we can focus keeping your premiums low.

No, we do not sell car insurance.

No, we do not sell home insurance.