Help Centre
Health insurance explained
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Frequently asked questions
Find quick answers to our members' most common questions.
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I will be receiving inpatient treatment what will my out-of-pocket cost be?
Helpful articles
Learn more about your health cover and how to get the most from your policy.
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Access Gap Cover Explained
Learn how Access Gap Cover works and how HBF members can benefit.
Medical Gap Agreements
We have agreements in place with specialists across Australia to help members minimise or eliminate out-of-pocket costs. Learn more about our Medical Gap Agreements below.
Gap Saver
Find out how GapSaver works and how you can use it to reduce your out-of-pocket costs.
What is a hospital out-of-pocket cost?
Sometimes you’ll have to pay for part of a treatment out of your own pocket. We explain when this happens and how to minimise the cost.
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