Help Centre

Health insurance explained

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

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Frequently asked questions

Find quick answers to our members' most common questions.

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No. The choice to deliver services via telehealth or face-to-face remains with your health provider. We recommend you speak to your provider to find out the best service method for your individual circumstances.

Telehealth is the method of delivering health care or health education through a phone call or videoconference.

Learn more: What is telehealth and how does it work?

You need to check if your extras health cover includes the relevant treatment type. For example, you must have cover for Physiotherapy if you wish to claim for Physiotherapy telehealth treatment.

You also need to have satisfied any relevant waiting periods and not reached your annual limit for the relevant treatment type for HBF benefits to be payable. In addition, please ensure your invoice meets the Telehealth Account Requirement including duration of sessions.

To find out if you're eligible to receive benefits for certain telehealth treatments or to check what your limits are, you can go to myHBF or call us on 133 423. Out-of-pocket costs are likely to apply.

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