Terms & Conditions

Promotional offer: Up to 12 weeks free plus up to $200 gift card & no waits on eligible extras new member offer
(31 July 2026 – 20 October 2026)

Terms and conditions

Eligible covers:

The offer is available on the following eligible HBF hospital and extras covers when purchased together in one transaction:

Hospital:

• Basic Hospital Accident Only
• Basic Hospital Plus
• Basic Hospital Plus Elevate
• Lite Bronze Hospital Plus
• Bronze Hospital Plus
• Essential Silver Hospital
• Silver Hospital
• Silver Hospital Plus
• Gold Hospital Elevate

Extras:

• Smart Start Extras
• Basic Extras
• Value 50
• Flex 50
• Flex 60
• Core Extras
• Complete 60
• Top 70

To be eligible to receive up to 12 weeks free cover and up to a $200 gift card and no waits on eligible extras:

• You must start your cover between 12.01am AWST, Friday 31 July 2026 and 11.59pm AWST, Tuesday 20 October 2026 on eligible HBF Hospital and Extras cover purchased together in a single transaction.
• Maintain continuous eligible HBF Hospital and Extras cover until the offer is fulfilled in its entirety after 26 months.
• To receive 4 weeks free cover and a $200 (couples/family/extended family policy) or $100 (single/single parent/extended parent plus policy) gift card, you must hold your eligible HBF Hospital and Extras cover for at least 31 days from the start date of your policy.
• To receive a further 4 weeks free cover, you must hold your eligible HBF Hospital and Extras cover for 13 months from the start date of your policy.
• To receive the final 4 weeks free cover, you must hold your eligible HBF Hospital and Extras cover for 26 months from the start date of your policy.
• Be a new HBF member or have not held an HBF branded policy (hospital and/or extras, including urgent and essential ambulance) in the last 60 days (dependants coming off a family policy and partners coming off a couples/ family policy are eligible).
• Pay premiums monthly or fortnightly via direct debit and ensure payments are up to date at the time of fulfilment.
• Provide a valid email address.
• If joining online at hbf.com.au, select ‘Up to 12 weeks free plus gift card plus no waits promotion’.

The offer does not apply to:

• Members who start their cover before 12.01am AWST, Friday 31 July 2026 and after 11.59pm AWST, Tuesday 20 October 2026.
• Current HBF members (dependants coming off a family policy and partners coming off a couples/family policy are eligible) or those who have redeemed another HBF promotional or save
offer, or corporate discount, in the last 12 months, excluding direct debit discount.
• Members who pay premiums quarterly, half-yearly, or annually.
• Members who are not paying by direct debit.
• HBF, see-u and QCHF employees and their immediate family members eligible for HBF staff discounts.
• Members who join on a corporate policy eligible for a corporate discount are ineligible for this offer.
• Members who terminate or suspend their cover during the promotional period.
• Members who join via a third-party broker or aggregator (excluding Finder).

Fulfilment of the gift card:

• Single/Single Parent/Extended Parent Plus policies will receive one $100 Smart egift card from Prezzee.
• Couples/Family/Extended Family policies will receive one $200 Smart egift card from Prezzee.
• The gift card will be issued by Prezzee, on behalf of HBF, after 31 days of continuous cover from the policy start date, provided HBF has received full payment for this period.
• The gift card value will be determined based on the policy scale at the point of joining.
• If the last full payment coincides with the 31 days of continuous eligible cover from the policy start date, the Prezzee gift card will be issued once the last full payment is made.
• The Prezzee gift card will be issued via email from Prezzee, approximately 38 days after the policy start date.
• The Prezzee gift card must be activated within 3 months of issue and must be claimed online at prezzee.com.au via link supplied in the email.

Fulfilment of the 12 weeks free cover will be applied over 26 months:

• 4 weeks free cover will be applied to your policy at the next billing cycle after you have held eligible cover for 31 consecutive days from the start date of your policy.
• A further 4 weeks free cover will be applied to your policy at the next billing cycle after you have held eligible cover for 13 months from the start date of your policy.
• The final 4 weeks free cover will be applied to your policy at the next billing cycle after you have held eligible cover for 26 months from the start date of your policy.
• A member may change their level of eligible cover during the offer, the value of the weeks free cover will apply to the level of eligible cover held at the specific offer fulfilment date.
• Direct debits during this free period will be amended and your account will show your policy as paid until the end of the free week periods. Normal Direct debits will be taken in full up until offer fulfilment date.
• Your direct debit schedule will not be altered due to applying the free cover.
• If you fail any eligibility checks, all future fulfilments will be removed.
• Weeks free cannot be exchanged for cash in the form of a refund due to policy cancellation.

Fulfilment of the 2-month waived waits on Extras

• HBF will waive the 2-month waiting period on eligible HBF Extras of the product you selected upon joining, effective from the policy start date. However, claims will only be paid once your policy is financial (i.e., payment has been made). You may submit a manual claim before your policy becomes financial and it will be honoured once your policy is up to date. Waiting periods for extras that are longer than 2 months and all hospital treatment waiting periods, still apply.
• If you’re switching from another fund, your available limits will be adjusted to take into account any extras benefits you have received this calendar year from your previous fund. This may affect your ability to claim.

Reservation of Rights:

HBF reserves the right to amend, add to, or end this offer, along with its terms and conditions, at any time without notice. Changes made will be effective immediately and will be reflected in the Terms and Conditions.

Promotional offer: 6 Weeks Free (Hospital Only)
(1 July 2026 – 17 Nov 2026)

Terms and conditions

Eligible covers:

The offer is available on the following eligible HBF hospital cover:

• Basic Hospital Accident Only
• Basic Hospital Plus
• Basic Hospital Plus Elevate
• Lite Bronze Hospital Plus 
• Bronze Hospital Plus
• Silver Hospital
• Silver Hospital Plus
• Essential Silver Hospital
• Gold Hospital Elevate

To be eligible to receive 6 weeks free:

• You must start your cover between 12.01am AWST, Wednesday 1 July 2026 and 11.59pm AWST, Tuesday 17 November 2026 on eligible hospital only cover purchased in a single transaction.
• Maintain continuous eligible HBF hospital cover until the offer is fulfilled in its entirety.
• To receive 6 weeks free cover, you must hold your eligible HBF hospital cover for at least 31 days from the start date of your policy.
• Be a new HBF member or have not held an HBF branded policy (hospital and/or extras, including urgent ambulance) in the last 60 days (dependents coming of a family policy and partners coming off a couples/ family policy are eligible).
• Pay premiums monthly or fortnightly via direct debit and ensure payments are up to date at the time of fulfilment.
• Provide a valid email address.
• If joining online at hbf.com.au - select ‘6 weeks free (Hospital Only) promotion’.
• If joining via phone or in branch - request to receive ‘6 weeks free (Hospital Only) promotion’.

The offer does not apply to:

• Members who start their cover before 12.01am AWST, Wednesday 1 July 2026 and after 11.59pm AWST, Tuesday 17 November 2026.
• Members taking out extras only cover or combined cover.
• Current HBF members, holding an HBF Health branded product (dependents coming off a family policy and partners coming off a couples/family policy are eligible) or those who have redeemed another HBF promotional or save offer, or corporate discount, in the last 12 months, excluding direct debit discount.
• Members who pay premiums quarterly, half-yearly, or annually.
• Members who are not paying by direct debit.
• HBF, see-u and QCHF employees and their immediate family members eligible for HBF staff discounts.
• Members who terminate or suspend their cover during the promotional period.
• Members who join via a third-party broker or aggregator (excluding Finder).

Fulfilment of the 6 weeks free cover:

• 6 weeks free cover will be applied to your policy at the next billing cycle after you have held eligible cover for 31 consecutive days from the start date of your policy.
• A member may change their level of eligible hospital cover during the offer, the value of the weeks free cover will apply to the level of eligible hospital cover held at the specific offer fulfilment date.
• Direct debits during this free period will be amended and your account will show your policy as paid until the end of the free week periods. Normal Direct debits will be taken in full up until offer fulfilment date.
• Your direct debit schedule will not be altered due to applying the free cover.
• If you fail any eligibility checks, all future fulfilments will be removed.
• The 6 weeks free offer is not redeemable for cash.

Reservation of Rights:

HBF reserves the right to amend, add to, or end this offer, along with its terms and conditions, at any time without notice. Changes made will be effective immediately and will be reflected in the Terms and Conditions.

Promotional offer: 6 Weeks Free (Extras Only)
(1 July 2026 – 17 Nov 2026)

Terms and conditions

Eligible covers:

The offer is available on the following eligible HBF extras cover:

• Smart Start Extras
• Basic Extras
• Value 50
• Flex 50
• Flex 60
• Core Extras
• Complete 60
• Top 70

To be eligible to receive 6 weeks free:

• You must start your cover between 12.01am AWST, Wednesday 1 July 2026 and 11.59pm AWST, Tuesday 17 November 2026 on eligible extras only cover purchased in a single transaction.
• Maintain continuous eligible HBF extras cover until the offer is fulfilled in its entirety.
• To receive 6 weeks free cover, you must hold your eligible HBF Extras cover for at least 31 days from the start date of your policy.
• Be a new HBF member or have not held an HBF branded policy (hospital and/or extras, including urgent ambulance) in the last 60 days (dependents coming of a family policy and partners coming off a couples/ family policy are eligible).
• Pay premiums monthly or fortnightly via direct debit and ensure payments are up to date at the time of fulfilment.
• Provide a valid email address.
• If joining online at hbf.com.au - select ‘6 weeks free (Extras Only) promotion’.
• If joining via phone or in branch - request to receive ‘6 weeks free (Extras Only) promotion’.

The offer does not apply to:

• Members who start their cover before 12.01am AWST, Wednesday 1 July 2026 and after 11.59pm AWST, Tuesday 17 November 2026.
• Members taking out hospital cover or combined cover.
• Current HBF members, holding an HBF Health branded product (dependents coming off a family policy and partners coming off a couples/family policy are eligible) or those who have redeemed another HBF promotional or save offer, or corporate discount, in the last 12 months, excluding direct debit discount.
• Members who pay premiums quarterly, half-yearly, or annually.
• Members who are not paying by direct debit.
• HBF, see-u and QCHF employees and their immediate family members eligible for HBF staff discounts.
• Members who terminate or suspend their cover during the promotional period.
• Members who join via a third-party broker or aggregator (excluding Finder).

Fulfilment of the 6 weeks free cover:

• 6 weeks free cover will be applied to your policy at the next billing cycle after you have held eligible cover for 31 consecutive days from the start date of your policy.
• A member may change their level of eligible extras cover during the offer, the value of the weeks free cover will apply to the level of extras cover held at the specific offer fulfilment date.
• Direct debits during this free period will be amended and your account will show your policy as paid until the end of the free week periods. Normal Direct debits will be taken in full up until offer fulfilment date.
• Your direct debit schedule will not be altered due to applying the free cover.
• If you fail any eligibility checks, all future fulfilments will be removed.
• The 6 weeks free offer is not redeemable for cash.

Reservation of Rights:

HBF reserves the right to amend, add to, or end this offer, along with its terms and conditions, at any time without notice. Changes made will be effective immediately and will be reflected in the Terms and Conditions.

Promotional offer: 6 Weeks Free (Overseas Cover)
(8 October 2026 – 31 January 2027)

Terms and conditions 

Eligible covers:

To be eligible for this offer, you must purchase either:  

1. Overseas Working Visa Hospital cover; or 
2. Overseas Working Visa Hospital + Medical cover

either as a standalone cover or combined with an eligible Extras product.

The offer is available on the following eligible HBF overseas cover:

Hospital:

• Overseas Working Visa Hospital
• Overseas Working Visa Hospital + Medical

Extras (when purchased with an eligible Hospital cover listed above):

• Smart Start Extras
• Basic Extras
• Value 50
• Flex 50
• Flex 60
• Core Extras
• Complete 60
• Top 70

To be eligible to receive 6 weeks free:  

• You must join and start your cover between 3.15pm AWST, Thursday 8 October 2026 and 11.59pm AWST, Sunday 31 January 2027 on eligible HBF overseas working visa hospital cover purchased as either a standalone cover or with an eligible extras product.
• Maintain continuous eligible HBF overseas working visa hospital cover until the offer is fulfilled in its entirety.
• To receive 6 weeks free cover, you must hold your eligible HBF overseas working visa hospital cover for at least 31 days from the start date of your policy.
• Be a new HBF member or have not held an HBF branded policy (hospital and/or extras, including urgent ambulance) in the last 60 days (dependents coming off a family policy and partners coming off a couples/ family policy are eligible).
• Pay premiums monthly or fortnightly via direct debit and ensure payments are up to date at the time of fulfilment.
• Provide a valid email address.
• If joining online at hbf.com.au - select '6 weeks free (Overseas Cover) promotion’.

The offer does not apply to:

• Members who join and/or start their cover before 3.15pm AWST, Thursday 8 October 2026 and after 11.59pm AWST, Sunday 31 January 2027. 
• Members taking out extras only cover or ineligible hospital covers.
• Current HBF members, holding an HBF Health branded product (dependents coming off a family policy and partners coming off a couples/family policy are eligible) or those who have redeemed another HBF promotional or save offer, or corporate discount, in the last 12 months, excluding direct debit discount.
• Members who pay premiums quarterly, half-yearly, or annually.
• Members who are not paying by direct debit.
• HBF, see-u and QCHF employees and their immediate family members eligible for HBF staff discounts.
• Members who terminate or suspend their cover during the promotional period.
• Members who join via a third-party broker or aggregator (excluding Finder).

Fulfilment of the 6 weeks free cover:

• 6 weeks free cover will be applied to your policy at the next billing cycle after you have held eligible cover for 31 consecutive days from the start date of your policy.
• A member may change their level of eligible cover during the offer, however the value of the weeks free cover will apply to the level of eligible cover held at the specific offer fulfilment date.
• Direct debits during this free period will be amended and your account will show your policy as paid until the end of the free week periods. Normal Direct debits will be taken in full up until offer fulfilment date.
• Your direct debit schedule will not be altered due to applying the free cover.
• The 6 weeks free offer is not redeemable for cash.

Reservation of Rights:

HBF reserves the right to amend, add to, or end this offer, along with its terms and conditions, at any time without notice. Changes made will be effective immediately and will be reflected in the Terms and Conditions.