Why HBF is the right fit for you

When life throws a health challenge your way, choose quality. At HBF we provide quality health cover for every single member, every single day.
Cover options

75 years

HBF logo

Established and experienced

After 75 years, we know the WA health system better than anyone else

With more than 1 million members we have been supporting the health and wellbeing of West Australians for more than 75 years. Our years of experience means we know the WA health system better than anyone else.

The part of your bill HBF covers

Your remaining ‘gap’

Learn more about GapSaver

Get more back

We pay you more back on things that count, like hospital bills

Our members have fewer gaps on hospital and dental bills on average in WA, when compared to other major health funds.

Members can save even more with HBF’s unique GapSaver add-on, which allows you to put away money now that can help cover your hospital and extras gaps later.

For every $10 paid, we spend $9 on health insurance claims.

Not for profit

We’d rather make a difference than a profit

We’re not for profit – this means we don’t have shareholders to pay so we can focus on giving back to members. For every $10 paid for health insurance, on average $9 is spent on health insurance claims.

Health insurance

Home insurance

Car insurance

Travel insurance

Life insurance

Rewarding members with discounts

We’re a one stop shop for all your insurance needs

Members with health cover get 10% off home and car insurance. If you add a second home or car policy, the discount increases to 14.5%.

You can also receive a 10% discount on travel insurance if you take out cover in a branch or over the phone, plus an additional 10% if you take out cover online.*