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Along with keeping your body healthy, our cover options are designedto keep your bank balance happy.
We want you to get the best value from your health cover and there are heaps of different ways you can save by being an HBF member.
Enjoy the benefits
Join the thousands enjoying the benefits of being an HBF member today.
Because we don’t have shareholders to pay, we can focus on our members’ interests. We’ll only increase premiums to cover the rising cost of claims, not to make a profit. Our members get more back on hospital and dental bills, on average when compared to other major WA health funds. We also offer a great range of Momentum member benefits to keep our members healthy throughout the year. So you can be sure you’re paying a fair price and getting value for your health cover.
Our GapSaver option lets you reduce or avoid paying a gap when you use your health cover. It’s a great way to boost your benefit!
Whether you're older or younger, thinking of having a baby or about to send your kids off to uni, we have cover options to suit every body. Talk to us about your health needs and budget – we’re here to help you ensure you’re not paying for services you don’t need but are covered for those you might.
If you're looking for value when choosing your glasses, visit an HBF Member Plus optical store. At least 30% of the range will be fully covered. And for items that aren't, like designer frames and extras like tinting, you'll receive a minimum 20% discount on top of your HBF benefit. HBF has more Member Plus optical stores in WA than any other major health fund.
Choose an HBF Member Plus dentist and you'll get up to 60-90% back, depending on your choice of cover, as well as a fully covered scale and clean each year. Plus if you have any kids on your policy they'll be fully covered for preventative dental. Which is great news for families. HBF has over 800 Member Plus dentists in WA, more than any other fund.
If you have to go to hospital, you can keep out-of-pocket expenses down by choosing one of our Member Plus hospitals. HBF has more Member Plus hospitals to choose from in WA than any major fund. And HBF members are fully covered for most medical treatments in WA hospitals (82% in fact). How many specialists are fully covered for HBF members?
At HBF, you can save around 4% just by using direct debit to pay your health insurance premium. Not bad, considering you'll also save time! Plus, you can save even more off your premium by paying annually, half-yearly or quarterly. The discounts apply to all cover except Urgent Ambulance and GapSaver.
Our combined packages cover you for hospital procedures and everyday health needs such as dental, optical and physio. Choosing to combine hospital and extras in a package is simple and often works out cheaper.
If you're looking for great cover but want to pay a lower premium, it's as simple as adding an excess to your hospital cover. That way you get the same level of cover at a price that's right for you.
HBF offers great rates for general insurance for your car, home and travel. Plus if you add home or car insurance to your health policy, we'll reward your loyalty with a 10% discount. Add a second policy and you'll get 14.5% off both. HBF health members also get 10% off travel insurance – plus another 10% if you take it out online. With such healthy discounts, it makes sense to keep all your insurance in one place.
If you’re with another health fund and switch to HBF, you won’t have to re-serve any waiting periods. No sweat!
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