Health insurance explained

Dependent children can stay covered on a parent or guardian’s policy until the day before they turn 31 so long as they aren’t married or in a de-facto relationship.

Learn more about Keeping your kids covered until age 31

Yes. You and your partner have the option of either being on a couples health insurance policy, or taking out two separate health insurance policies.

With HBF, a couples health insurance policy costs the same as paying for the same products on two singles policies (before applying the Australian Government Rebate on Private Health Insurance or Lifetime Health Cover loading). It's entirely up to you to decide what suits your needs best — we recommend exploring all available options before making a decision.

You will need to add your newborn to your policy within three months of your baby’s birth. This way, your baby will be covered from their birth and won’t have to serve any new waiting periods, provided you have completed yours.

If you’re currently on a Single or Couples policy and want your newborn to be covered, you will need to increase your cover to a Parent Plus or Family policy. If you’re already on a Family policy, you won’t need to pay anything extra to add your newborn to the policy.

Yes, you can. With HBF, you can get health cover for just your child. To find out more, please contact us.

No. HBF, like most health funds, have a 12-month waiting period for pregnancy and birth. Waiting periods help to discourage people from signing up for health cover, claiming and leaving soon after, which drives premiums up for all other members of the health fund.