HBF was a Highly Commended winner in the 2026 Finder Health Insurance Awards.
HBF offers a range of hospital and extras cover. To help find the best health insurance policy for you, it's best to compare multiple providers.
Each month we analyse over 10,000 hospital and extras insurance products and rate each one on price and features. What we end up with is a nice round number out of 10 that helps you compare products a bit faster.
Before we start scoring, we need to make sure we're comparing like-for-like. Just as it doesn't make sense to compare a toy car with a Porche, it doesn't make sense to compare basic policies to top-tier gold policies. Each policy is given a price score and feature score. These are then combined to determine each policies's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.
There are a few ways to claim with HBF.
HBF has a fantastic record on complaints. We regularly analyse Ombudsman complaints data to see which health funds receive more or less complaints compared to their market share. The most recent State of the Health Funds Report data has HBF with 8.10% of market, but accounted for only 2.20% of complaints received. That's better than all the major health funds by a really wide margin.
HBF was a big winner in the 2026 Finder Awards.
Congratulations, HBF!
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