HBF Combined Cover Review

Find out whether HBF hospital and extras cover is right for you.

HBF offers a range of hospital and extras cover options that you can mix and match so you can have the combined for hospital and general treatment.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

April 2019 HBF update

As part of the recent government reforms to the private health insurance industry, HBF have introduced a range of new policies for customers. As a result, they no longer offer pre-packaged policies. However, you can still mix and match your hospital and extras cover. With 5 hospital and extras cover options to choose from, you now have the flexibility to choose what suits you best.

See full HBF review

What combined options does HBF offer?

Following the health insurance reforms, HBF is not currently offering prepackaged policy options. However, you can still combine your hospital and extras options:

Compare HBF hospital policies

  • Basic Hospital Plus. This meets the government's requirement for Basic cover by offering restricted cover for psychiatry, rehabilitation and palliative care. However, it goes well beyond that by providing full cover for all additional 5 clinical categories including joint reconstructions, dental surgery and gynaecology.
  • Bronze Hospital Plus. Provides full cover all 18 clinical categories required for a Bronze label, plus full cover for additional categories like sleep studies, medically necessary plastic surgery and back/neck/spine treatments.
  • Silver Hospital. This policy includes the cover for the 26 clinical categories required to be labeled a silver policy plus a few more like insulin pumps and full instead of restricted cover for palliative care.
  • Silver Hospital Plus. This covers everything the Silver policy does plus a few more like cataracts, joint replacements and full instead of restricted cover for rehabilitation.
  • Gold Hospital. This is the highest level of hospital insurance and includes all 38 clinical categories required for a Gold label.
BenefitsBasic Hospital PlusBronze Hospital PlusSilver HospitalSilver Hospital PlusGold Hospital
Rehabilitation
  • Resticted
  • Resticted
  • Resticted
  • Resticted
  • Resticted
Hospital psychiatric services
  • Resticted
  • Resticted
  • Resticted
  • Resticted
  • Resticted
Palliative care
  • Resticted
  • Resticted
  • Resticted
  • Resticted
  • Resticted
Gynaecology
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Tonsils, adenoids and grommets
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Joint reconstructions
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Hernia and appendix
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Dental surgery
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Brain and nervous system
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Eye (not cataracts)
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Ear, nose and throat
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Bone, joint and muscle
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Kidney and bladder
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Male reproductive system
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Digestive system
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Gastrointestinal endoscopy
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Miscarriage and termination of pregnancy
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Chemotherapy, radiotherapy and immunotherapy for cancer
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Pain management
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Skin
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Breast surgery (medically necessary)
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Diabetes management (excluding insulin pumps)
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Lung and chest
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Blood
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Back, neck and spine
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Plastic and reconstructive surgery (medically necessary)
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Pain management with device
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Sleep studies
  • No
  • Yes
  • Yes
  • Yes
  • Yes
Heart and vascular system
  • No
  • No
  • Yes
  • Yes
  • Yes
Podiatric surgery
  • No
  • No
  • Yes
  • Yes
  • Yes
Implantation of hearing devices
  • No
  • No
  • Yes
  • Yes
  • Yes
Insulin pumps
  • No
  • No
  • Yes
  • Yes
  • Yes
Cataracts
  • No
  • No
  • No
  • Yes
  • Yes
Joint replacements
  • No
  • No
  • No
  • Yes
  • Yes
Dialysis for chronic kidney failure
  • No
  • No
  • No
  • No
  • Yes
Pregnancy and birth
  • No
  • No
  • No
  • No
  • Yes
Assisted reproductive services
  • No
  • No
  • No
  • No
  • Yes
Weight loss surgery
  • No
  • No
  • No
  • No
  • Yes
Added features
Urgent ambulance
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Private room coverage
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes

Compare HBF extras options

  • Basic Extras. This is a very basic policy covering general dental, optical, a few therapies like physio and healthy living programs.
  • Saver Flexi Extras. This covers general dental, emergency ambulance and your choice of two of the following treatments: major dental, optical, physio, chiro, osteo, healthy living programs, pharmacy, podiatry and remedial massage.
  • Standard Extras. Covers 19 common treatments like general dental, major dental, optical, physio, hearing aids, speech therapy and more.
  • Flexi Extras. Covers your choice of 10 treatments between: general dental, major dental, optical, physio, chiro, pharmacy, health appliances, eye therapy and more.
  • Top Extras. Covers HBF's full range of treatments including all those listed above plus nutrition consultations, exercise physiology, alternative therapies, psychology and more.

What makes HBF different?

HBF has the widest range of agreement private hospitals in WA of all health funds, so residents of the state might be able to enjoy a particularly high level of cover from HBF.

How soon can I make a claim?

Hospital waiting periods apply as follows:

  • 12 months: Pre-existing conditions (except for psychiatric, rehabilitation and palliative care) and pregnancy-related services
  • 2 months: All other procedures

Extras waiting periods are as follows:

  • 3 years: Hearing aids
  • 1-2 years: Health appliances
  • 12 months: Major dental, dental implants and orthodontics, foot orthoses
  • 6 months: Clinical psychology
  • 2 months: All other services
  • 7 days: Urgent ambulance cover

How can I claim?

You can claim most hospital services simply by swiping your HBF member card on the spot or within seven days of receiving a service. After this, or where the option to swipe your HBF member card is not available, you can send in a claims form or make a claim online.

Hospital services can typically be billed directly to HBF, and you will only need to pay any applicable plan excess, gap expense or fee for items not covered under your plan directly to the hospital or service provider.

How can I pay?

You can pay your premiums via direct debit from a bank or credit card. Alternatively, you can pay premiums online by signing on to the HBF website.


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