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How-to guides
Check out our simple how-to guides to assist you in managing your HBF cover online, anytime.
Australian health insurance premiums are reviewed every year. No matter what those changes might be, these little tips could help you save a lot.
If your HBF premium is changing, it will change on the 1st of April each year.
At HBF, you can manually prepay your health policy up to 18 months in advance at the 2023 premium rate, provided the payment is received by us on or before 28 March 2024. Get the details about the 2024 rate change and more on our Frequently Asked Questions page.
Member Plus is a network of providers who have partnered with us to help minimise your out-of-pocket costs.
Learn more
When it’s time to visit hospital, follow these steps.
The Medicare Levy Surcharge (MLS) is a tax applied to people who don’t have an appropriate level of hospital cover and from July 1 2024:
The tax is designed to encourage Australians to get hospital cover and use private hospitals. This reduces demand on the public health system.
You can avoid this tax by getting hospital cover. It's good to note that the cost of the Medicare Levy Surcharge often exceeds the cost of getting hospital cover.
When you do get hospital cover, you’ll still pay the MLS for the part of the year you weren’t covered.
There are also special cases where you’d be exempt from paying the MLS, which you can read about on the ATO’s website.
For more info click here
You may be able to reduce your hospital insurance premiums without reducing what you’re covered for by increasing your excess.
We'll help you find our best cover that suits your needs.
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