Login to the HBF App or myHBF

With both the HBF app and myHBF, you can easily view and manage your policy online.

Review your product sheet

Navigate to your policy details and select your hospital or extras product sheet. This provides an overview of the services you’re covered for, including any limits that may apply.

Check your waiting periods

Before you claim on a service, you may need to serve a waiting period. Your product sheet will list out applicable waiting periods. If you’re not sure if you’ve served your waiting period, please contact us.

Check your extras limits and usage

Claiming on an extras service? Check your limits and usage in myHBF or the HBF App to check your remaining benefits

Ready to claim

Now that you know what you’re covered for, you’re ready to claim.

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How-to guides

Check out our simple how-to guides to assist you in managing your HBF cover online, anytime.

Hospital feedback for members
HBF members now have a way to share feedback about the care they receive and health outcomes that follow a hospital treatment with HBF Patient Pulse.

Ask us for a benefit quote

If you have an upcoming treatment or service, we recommend contacting us first to check your cover. We'll confirm what you're covered for and any out-of-pocket costs you may need to pay.

Call 133 423 or visit a branch for a medical or extras benefit quote.

What details do I need to provide?

Medical benefit quote

  • Patient name
  • Admission date
  • Discharge date
  • Hospital name
  • Surgeon name and/or provider number
  • Assistant name and/or provider number, if applicable
  • Anaesthetist name and/or provider number
  • Prosthesis rebate code(s)
  • MBS items and charges

Extras benefit quote

  • Patient name
  • Treatment/service date
  • Item number(s)
  • Associated charges
  • Provider number(s)
  • Tooth number(s), if applicable

This information should be listed on your provider quote(s). If you don’t have this information, please contact your provider.

When you buy hospital insurance for the first time or after not having it for a long time, or you upgrade to include a new service, there will generally be a waiting period you need to serve before you can claim.

At HBF, waiting periods for hospital insurance are as follows

  • 12 months for pre-existing conditions* and Pregnancy and birth
  • Two months for other in-hospital treatments
  • Seven days for Urgent ambulance (by road)
  • From the day after you join for Accident Cover*

When you buy extras insurance for the first time, there will generally be a waiting period you need to serve before you can claim if you haven't had continuous cover, or if you've just upgraded to a higher level of cover.

A benefit is the amount you can claim back for a service from your health fund.

A waiting period is a period of time during which you must hold continuous membership under a particular health cover before you are entitled to receive a benefit at the level payable on that cover. You can claim benefits applicable on your level of cover for services or treatment you receive after you have served your waiting periods.

Waiting periods applicable on your level of cover are listed on the relevant product sheet.

A lifetime limit is the total amount you can claim for a service over the course of your lifetime; each person on your policy has their own lifetime limit. At HBF, lifetime limits only apply to orthodontics on select covers. This means that once you've claimed up to your lifetime limit, either at HBF or through claims at another health insurer, you won't be able to claim benefits again even if you change your cover or leave and re-join us in the future.

An annual limit is the maximum amount of money you can claim for a service within a calendar year. Each person on your policy has their own annual limits.

Explore our Help Centre

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Health insurance explained

Gold, Silver, Bronze and Basic cover explained, what is an excess and more.

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Managing an existing policy

Make changes to your policy, order a member card and more.

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Claims

When you can start claiming, telehealth and more.

Manage your cover with the HBF App.

Make claims on the go, view limits and usage, update your payment details and more. See HBF App for more information.
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