Get up to 12 weeks FREE plus up to $200 gift card and no waits on eligible extras
For new members who start & keep eligible combined cover. Weeks free applied over 26 months. Offer ends 12 May 2026. T&Cs.
Avoid the Medicare Levy Surcharge
If you earn over $101,000 as a single or over $202,000 as a couple/family*, you could be charged the Medicare Levy Surcharge (MLS) if you don’t have eligible hospital cover.
That could mean $1,000 or more in extra tax this financial year. Check your estimated surcharge with our free tax calculator.
Do you qualify for the private health insurance rebate?
The Australian Government's private health insurance rebate helps make health insurance more affordable. It's a sum of money you can get back at tax time or apply to your premium to make it cheaper. The rebate applies to hospital, extras and urgent ambulance insurance.
Get to know our basic hospital options
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cover for
What matters most is
Hospital
cover for
singles.
What matters most is
the basics.
Why choose HBF private health insurance
We’ve been putting our members first for over 80 years. It’s no wonder more than one million members trust us to look after their health.
We put our members first
Members are at the heart of everything we do. When we make decisions, we will always put our members' needs first.
We’re not-for-profit
We’re one of the largest not-for-profit health funds in Australia, so we can focus on giving more back to members.
We keep our premiums low
HBF has the lowest average premium increase of the 5 largest health funds – 2 years in a row!*