Help Centre

Health insurance explained

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

Topics

Frequently asked questions

Find quick answers to our members' most common questions.

Displaying 1 of 1 results

If you pay the lifetime health cover (LHC) loading, you're still eligible for the rebate. However, you'll only get a rebate on the base premium of your hospital insurance and not the LHC loading component.

Helpful articles

Learn more about your health cover and how to get the most from your policy.

Still can't find what you're looking for?

Hand holding a magnifying glass

HBF provides health insurance products in Western Australia, South Australia, Victoria, Tasmania, New South Wales, Australian Capital Territory, Queensland and Northern Territory.

We acknowledge the Traditional Owners of the lands and waters where we live and work. We want to play our part in ensuring that our shared presence brings genuine benefit to First Nations people. View our Reconciliation Action Plan to learn more.

FacebookInstagramLinkedInYouTube

© 2026 Copyright HBF Health Limited - (ABN) 11 126 884 786 and its subsidiaries.