Health insurance explained

Also known as hospital cover, hospital insurance helps cover costs when you're admitted to hospital. It covers things like your doctors' fees, accommodation and theatre fees.

Learn more about hospital cover

While Australia has one of the best health care systems in the world*, there are many benefits to having hospital cover.

Hospital insurance helps cover some of the costs when you're admitted to hospital. It can help cover some of the costs for things like doctors' fees, accommodation and theatre fees.

With hospital cover, you'll also be able to choose your preferred hospital and doctor to receive treatment from, avoid long public waiting lists and gain access to a private room^*.

Learn more about the difference between private and public hospitals 

* Australian Government Department of Health (2019).

HBF has a range of hospital cover products to suit all budgets. Private Health Insurance with hospital cover helps cover the cost of 'inpatient' services — these are treatments you receive when you're admitted to hospital for care (e.g. for surgery). The price of each product is based on the level of restrictions and exclusions on these eservices.

Compare all cover options

Yes. With HBF, you can purchase hospital cover on its own. Hospital insurance helps cover some of the costs when you're admitted to hospital. It can help cover some of the costs for things like doctors' fees, accommodation and theatre fees.