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Australia's lowest average premium increase
We’ve worked exceptionally hard to make our 2020 premium increase the lowest of all 35 health insurers in Australia. HBF’s CEO, John Van Der Wielen shares how we achieved this result.
Cover to suit your needs
Tell us a little about yourself and your health needs, and in two to three minutes we'll find our best cover to suit your needs.
We’ll provide cover for the ambulance, hospital and surgery while travelling overseas*.
We'll provide cover for lost or stolen luggage, cameras, clothes and more*.
We're available on the phone 24/7, no matter where you are in the world, to help you out in the moments that matter.
Read the Product Disclosure Statement (PDS) for the full list of product features
We can provide cover for unexpected medical or dental treatment when you’re overseas*.
If you need to cancel your trip due to unforeseen circumstances beyond your control, we can refund your prepaid flights and accommodation*.
If you have an accident in your rental car, we can provide cover for the vehicle’s insurance excess. Only applies to Platinum, Premium and Domestic Plans*.
If you lose your passport, have an accident or the weather goes bananas, we can provide cover for your accommodation and travel expenses*.
Get the right cover at a price that suits your budget
There are three levels of cover to help protect you when travelling abroad:
Holidaying at home? Choose from two domestic travel plans depending on how much cover you would like for your next trip within Australia*:
Hitting the slopes? Get peace of mind with our optional ski and winter sports cover, which can be added to any International Plan and the Australian Domestic Plan. You can get:*
If you’re heading on a cruise, we have a cruise cover option available for your grand voyage, which can be added to any International Plan. You can get*:
An add-on level of protection to any of the above policies to help protect certain specified valuables that you’re taking away with you. We can cover the replacement of items such as#:
Conditions apply to all cover types. Please download the Product Disclosure Statement (PDS) for full terms and conditions.
Got questions about travel insurance? We’ve got answers
If you need to cancel your flights due to unforeseen circumstances, we’ll reimburse you the purchase cost*. If you used frequent flyer points, we’ll pay you the value of those points. If your flights are delayed or interrupted for over 6 hours outside of your control, we can cover additional accommodation, meals and expenses incurred while you wait.
We cover 44 pre-existing medical conditions, as listed in the Product Disclosure Statement (PDS), at no additional cost. To find out if your condition is covered, we’ll ask you questions when you get a quote. If your condition is not on the list, you may need to complete a medical assessment.
Call us for assistance on 133 423
The maximum amount we will pay for luggage depends on the level of cover purchased. You can choose to increase this level by specifying individual items on your policy (at an additional premium cost).
Yes, provided you are less than 24 weeks pregnant, it is a single pregnancy, there are no unexpected complications and your pregnancy was not medically assisted.
If your pregnancy was medically assisted or there are complications, you will need to complete a medical assessment to determine if cover is available.
If you are more than 24 weeks pregnant, you won’t be covered for any medical treatments required due to your pregnancy. Please check with your doctor before arranging travel plans.
If you are a temporary resident of Australia with an Australian Visa, you can still get travel insurance. (We do not cover temporary residents on tourist or working holiday visas.) Please see the Product Disclosure Statement (PDS) for eligibility and further information.
Answer a few simple questions about your next trip
A few handy reads to help you get well informed for your next trip.
Top 4 important things to think about when you’re buying travel insurance.
How to make a claim for the cost of lost or stolen luggage.
Our handy hints for navigating travel insurance when you’re going on a cruise.
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