HBF discounts and insurance options

Are you a member of HBF? Find out how you can save on a range of other insurance policies.

HBF began life in Western Australia in 1941 as the Metropolitan Hospital Benefit Fund. Today this not-for-profit organisation has more than 900,000 members Australia-wide and is one of the country’s five largest health funds. It is a Member’s Own health fund, offering customers a large range of services with low premium increases. HBF also has a number of other discounted insurance options including travel, car, home and contents, and life insurance.

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What other insurance options are available through HBF?

HBF offers five levels of travel insurance in a singles (one adult and one dependant) or doubles (two adults and their dependants) policies. If you're an HBF member you can save up to 19% on cover for booking online. Non-members can also benefit from HBF discounts and save 10% on travel insurance for booking online. The policies include:

  • Australian. Covers travel within Australia only and includes 24/7 emergency assistance, unlimited cover for cancelled or rescheduled travel, luggage and travel documents, hire car excess, legal liability and minor travel delays.
  • Economy. Includes travel to New Zealand, Norfolk Island and South Pacific islands, with 24/7 emergency assistance, and cover for overseas medical costs, cancelled or rescheduled travel, luggage and travel documents, resumption of overseas travel, and legal liability for third-party losses or damage.
  • Standard. Covers travel to Asia and includes 24/7 emergency assistance, overseas medical cover, resumption of overseas travel, unlimited cover for cancelled or rescheduled travel, legal liability, luggage and travel documents.
  • Super. Protects you for travel to the UK, Europe, South America, Russia, India, Africa or the Middle East. Includes unlimited overseas emergency medical expenses, 24/7 emergency assistance, unlimited overseas medical cover, unlimited cover for cancelled or rescheduled travel, luggage, travel documents, resumption of overseas travel and legal liability.
  • Super Plus. Worldwide cover, and is compulsory for travel to the US, Canada or Japan. It includes 24/7 emergency assistance, unlimited overseas medical cover, unlimited cover for cancelled or rescheduled travel, luggage, travel documents, resumption of overseas travel and legal liability.

Car insurance

HBF Car Insurance, issued by CGU, includes three types of cover: Third Party Property, Third Party Fire and Theft, and Comprehensive.

If you're an existing HBF health, home or car insurance policyholder, you can benefit from an HBF discount of 14.5% on your policy.

  • Third Party Property. Basic cover for damage to another person's property or car. Includes cover for liability and for not-at-fault collision with an uninsured motorist.
  • Third Party Fire and Theft. Basic cover for damage to third-party property, car theft and fire accidents. Includes car hire after theft, cover for not-at-fault collision with an uninsured motorist, replacement of keys after theft, liability cover and emergency or temporary repairs.
  • Comprehensive. Extensive cover that includes new car replacement for cars up to three years old; car hire after theft; temporary accommodation; personal items; unlimited cover for not-at-fault collision with an uninsured motorist; fire, storm or flood damage; theft, attempted theft or malicious damage; liability cover; replacement of keys after theft; emergency or temporary repairs; cover for your trailer while attached to your car; and towing or transport after an incident. There is also optional extra cover for a hire car up to 21 days, and for windscreen repair or replacement.

Home insurance

HBF Home Insurance is available, issued through CGU Insurance, as Building Only, Contents Only or Home and Contents. These come in three levels of cover: Fundamentals (basic cover), Listed Events (all-round cover) and Accidental Damage (highest level of cover).

HBF discounts also apply to home insurance as existing HBF health, home or car insurance policyholders can save 14.5% on cover.

Home insurance includes the following cover:


  • Building, fixtures and fittings
  • Fences and gates
  • Garages, carports and sheds
  • In-built swimming pools and spas
  • Infrastructure for services such as electricity, gas, water and phone
  • Anything built or installed on your property for domestic purposes
  • External blinds or awnings and domestic outbuildings


  • Household goods or personal effects not fitted to your buildings
  • Money and negotiable contents
  • Accessories and parts for motor vehicles, bicycles, caravans, trailers or watercraft
  • Computer software and media purchased online
  • Carpets, curtains or internal blinds
  • Valuable items as listed
  • Personal valuables as an optional extra

Landlord insurance

HBF also offers Landlords Insurance, which covers you for damage to a rental property and contents. It includes the following:

  • Flood, fire, explosion, storm, earthquake and theft
  • Rent and legal fees if tenant defaults on rent
  • Deliberate acts and vandalism
  • Liability cover
  • Accidental breakage of fixed glass, basins, baths and toilets caused by tenants
  • Architects, surveyor and legal fees
  • Replacement or repair of burnt-out electrical motors
  • Removal of debris and demolition costs

Life insurance

HBF has a range of life insurance policies in its HBF Ezicover Insurance portfolio, back by Zurich Australia Limited. These include:

  • HBF Ezicover Life Insurance. Provides a lump-sum payment of between $50,000 and $1,500,000, depending on your age, on death or diagnosed terminal illness.
  • HBF Ezicover Funeral Advantage. A lump-sum payment of between $5,000 and $15,000 towards funeral costs or other unexpected expenses.
  • HBF Ezicover Income Protection. Pays up to 75% of your pre-disability income, up to $12,000 per month, if you have to stop working due to sickness or injury.
Member benefits

HBF members enjoy a large range of discounts and incentives including:

  • Your first month free when you take out HBF Life Insurance
  • A 14.5% member discount when you take out additional property or vehicle insurance
  • A 19% discount when you purchase HBF Travel Insurance
  • 10% discount if you purchase online
  • An HBF Privilege Card when you purchase HBF Car Insurance, which gives you access to special offers including discounts on movie tickets, hotel rooms, wines and gift cards
  • A free app designed for storing personal health information and helping you achieve your health and fitness goals
  • 15% off Running Bare activewear when you purchase instore at any Running Bare outlet

Compare your health insurance options online today

Don Gribble

Don is a creative writer with extensive experience writing scripts, blogs, web content and ebooks. He enjoys writing because it allows him to know a little bit about a lot of subjects and to continue learning new things every day.

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2 Responses

  1. Default Gravatar
    NickJune 24, 2017

    I am just wondering would I get a discount on my car insurance as I drive less than 10,000 km a year?

    • Default Gravatar
      JonathanJune 24, 2017

      Hi Nick!

      Yes you may qualify for discounts up to $226 per year. You should choose “Nominated Driver Low Kilometre” option when taking out your insurance.

      Consult the insurer for further information.

      Hope this helps.


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