Get up to $1000 cashback
Limited time offer for new members who join with hospital & extras cover.
View full eligibility and T&Cs.
Find popular cover for your lifestage
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What matters most is
Member Benefits
HBF Member Perks
HBF members get access to a range of offers as part of our Member Perks program. You’ll find discounts on gym memberships, shopping, entertainment and more. *
Healthy Living Programs
Eligible HBF members can get great value from their extras with cover for flu vaccinations, weight management programs, nicotine replacement therapy and more.
Pharmacy services
Eligible HBF members get access to some great pharmacy services to support their health and wellbeing, including health checks and medication management services.
Do you need hospital, extras or both?
Get more with HBF extras cover
- Flexible extras cover. Flex 50 Extras and Flex 60 Extras let you split your limit how you like across 12 popular services.*
- National provider network including thousands of HBF Member Plus providers who help you minimise your out-of-pocket costs.
- Get 100% back on your first dental scale and clean each year.*
Choose your cover
Let HBF do the paperwork
If you're switching from another health insurer, just tell us during sign up. We'll then contact you to get your member number (or policy number), and we'll contact your health insurer to organise the transfer.
Getting cover for the first time, or changing your HBF cover? Explore your cover options and sign up below.
It may take up to 14 days for other funds to issue a Clearance Certificate. A Clearance Certificate, also called a Transfer Certificate, serves as a record of your health cover and contains information about the type and level of cover you held, when you joined, and when you cancelled. Until a certificate has been received and assessed we will not be able to finalise any claims submitted.
Learn about cover for...
Why trust HBF for your health insurance
We're not-for-profit
We’ve been in the business of health since 1941
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Frequently asked questions
How does extras cover work?
Extras insurance provides cover for everyday health care services that Medicare doesn't generally pay a benefit towards, such as visiting a dentist or physiotherapist.
HBF offers five levels of extras cover, ranging from basic to more comprehensive cover. What you can claim for, and what benefits are available to you, depends entirely on the cover option you choose.
When you purchase extras cover for the first time or update your policy, you'll likely need to serve a waiting period. A waiting period is a set amount of time during which you can't claim benefits. Once your waiting periods have been served, you'll be able to claim on the services on your cover.
Once you’re ready to claim on a service covered by your policy, you can either claim on-the-spot at your provider via a participating terminal or submit your claim to HBF via the following methods:
- Submit your claim via the HBF App
- Submit your claim via myHBF
- Visit your nearest branch
- Return a claim form by mail
We'll review your claim and pay you any benefits you're entitled to.
What are the benefits of extras cover?
Also known as ancillary cover or extras cover, extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. Extras cover can be a good thing to have because Medicare generally doesn't cover extras services, so without extras cover you'd have to cover the full cost of treatment every time you receive a service.
If you wear glasses or contacts, or if you regularly pay for services such as the physio, chiro, dentist, remedial massage or similar, extras cover could help cover your costs.
What are the waiting periods on extras cover?
Waiting periods for extras vary between health funds, but with HBF most services have a two-month waiting period, while more high-cost services (like major dental) have a waiting period of 12 months or more.
Can I purchase HBF Extras cover only?
Yes. With HBF, you can purchase extras cover on its own. Extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. These services are generally not covered by Medicare.
Can my partner and I have separate health insurance policies?
Yes. You and your partner have the option of either being on a couples health insurance policy, or taking out two separate health insurance policies.
With HBF, a couples health insurance policy costs the same as paying for the same products on two singles policies (before applying the Australian Government Rebate on Private Health Insurance or Lifetime Health Cover loading). It's entirely up to you to decide what suits your needs best — we recommend exploring all available options before making a decision.
How long can my kids stay on my policy?
Your kids can stay on your policy if they meet the criteria of a dependant.
A dependant is a child who is under the age of 21 and is:
- covered by a family or single parent policy; and
- is not married or living in a de-facto relationship.
At HBF we also choose to cover dependants under 25 years of age provided they meet the criteria in the 2 points noted above and they:
- are a full-time student; or
- earn no more than $24,500 taxable income per calendar year.
