FREQUENTLY ASKED QUESTION

If I register for the Full Cover 'No Gap' agreement, will I need to adhere to this arrangement for all HBF patients?

Yes, our full cover agreement does not allow for you to opt in/out on a patient by patient basis. You will be required to adhere to the agreement for all eligible members.

Eligible member means any HBF member with HBF hospital cover (including overseas visitor cover) who:

• is up to date with their premiums at the time a service is provided;
• has served all required waiting periods;
• receives a service that is covered under their policy; and
• is admitted.