HBF

Frequently asked questions

Find quick answers to our members' most common questions.

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What is hospital insurance?

Also known as hospital cover, hospital insurance helps contribute towards costs if you’re admitted to hospital (such as doctors’ fees and accommodation and theatre fees).

What are the benefits of 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).

What is Basic Hospital Plus?

Basic Hospital Plus is HBF’s low‑cost hospital cover that meets Basic tier requirements. It includes accident cover^*, private room accommodation^*, urgent road ambulance^*, and cover for a range of planned treatments like Dental surgery, Gynaecology, Hernia and appendix, Joint reconstructions, and Tonsils, adenoids and grommets.

What is the difference between Basic Hospital Plus and Basic Hospital Plus Elevate?

Basic Hospital Plus is a low cost hospital cover for the basics, plus accident cover. Basic Hospital Plus Elevate builds on Basic Hospital Plus by offering cover for a broader range of hospital treatments, making it a suitable option if you want more cover beyond the basics and accidents alone.

What is Silver Hospital Plus?

Silver Hospital Plus is HBF’s comprehensive Silver‑tier hospital cover, designed for people who want broad coverage without moving to Gold. It includes private room accommodation^* (where available), unlimited urgent road ambulance^*, and cover across a wide range of hospital treatment categories, including Joint replacements, Cataracts, Insulin pumps, Pain management with device, Heart and vascular, cancer treatments, and Brain and nervous system. Pregnancy and birth are excluded.

Health insurance explained