HBF offers five hospital insurance policies along with a range of discounts and perks
HBF is one of Australia's five largest health funds with more than 900,000 members and counting.
It averages fewer complaints than other large health funds and thanks to its scale, it offers a wide range of member discounts and benefits.
Top 3 features
- Good for basic cover. HBF's Basic policy offers more than what the government requires, but not so much that it practically becomes a Bronze policy.
- Good for people who like perks. HBF offers a range of discounts including multi-policy discounts, direct debit discounts and in-store perks for dental and optical services.
- Beware if you don't live in Western Australia. There are not nearly as many Member Plus agreement hospitals elsewhere as there are in WA.
What HBF hospital policies are available?
HBF offers five policies spanning the whole spectrum from Basic to Gold:
- Basic Hospital Plus. Goes beyond the government's requirement for Basic cover by offering full cover for 5 clinical categories including joint reconstructions, dental surgery and gynaecology. This is on top of the standard Basic requirements to offer restricted cover on psychiatry, rehabilitation and palliative care.
- Bronze Hospital Plus. Covers 18 categories of treatment required of Bronze policies, plus a few additional categories like medically necessary plastic surgery and sleep studies.
- Silver Hospital. Cover for the 26 categories of treatment required of Silver policies plus a few more like insulin pumps and full instead of restricted cover for palliative care.
- Silver Hospital Plus. Covers everything the Silver policy does plus a few more like joint replacements, cataracts and full instead of restricted cover for rehabilitation.
- Gold Hospital. The highest level of hospital insurance, which includes all 38 categories of treatment.
|Benefits||Basic Hospital Plus||Bronze Hospital Plus||Silver Hospital||Silver Hospital Plus||Gold Hospital|
|Hospital psychiatric services|
|Tonsils, adenoids and grommets|
|Hernia and appendix|
|Brain and nervous system|
|Eye (not cataracts)|
|Ear, nose and throat|
|Bone, joint and muscle|
|Kidney and bladder|
|Male reproductive system|
|Miscarriage and termination of pregnancy|
|Chemotherapy, radiotherapy and immunotherapy for cancer|
|Breast surgery (medically necessary)|
|Diabetes management (excluding insulin pumps)|
|Lung and chest|
|Back, neck and spine|
|Plastic and reconstructive surgery (medically necessary)|
|Pain management with device|
|Heart and vascular system|
|Implantation of hearing devices|
|Dialysis for chronic kidney failure|
|Pregnancy and birth|
|Assisted reproductive services|
|Weight loss surgery|
|Private room coverage|
Other benefits of HBF Hospital Cover
Members can also access multi-policy discounts on other HBF insurance products, like car insurance, and take advantage of the Pocket Health app, which is integrated with your health care to keep your records all in one place.
This can be a useful way of having your medical records on you for practitioners to access in the event of emergency treatments, getting vaccination reminders and more.
Here are some other perks you'll get as an HBF member:
- HBF has dozens of Member Plus Agreement hospitals where you can save on out-of-pocket expenses if you get your treatment at one of them.
- Pay your premiums by direct debit and enjoy a saving of 4%
- Visit a Member Plus dentist in WA and enjoy access to around $100 worth of dental benefits each year
- Members can visit one of several Member Plus optical stores in WA and enjoy substantial discounts on frames
- Bundle and save. Combine home, car or travel insurance with your HBF health cover to enjoy significant savings on premiums
- Free personal health app. HBF members can use the Pocket Health app to help them achieve their personal health and fitness goals
How do the costs work?
Your excess can range from $250-$750 depending on the policy and on the excess amount you choose.
You will pay this excess every time you're admitted to the hospital. You might also be responsible for a gap payment, which is when your private doctor charges more than the standard benefit amount for that service.
You can minimise that gap by using one of HBF's Member's Plus agreement hospitals for your treatment.
Waiting periods and limitations
Most treatments will have a waiting period. These are as follows:
- 7 days. Emergency ambulance.
- 12 months. Pregnancy, fertility treatments or pre-existing conditions.
- 2 months. All other treatments.
A notable limitation of HBF hospital cover is that ambulance cover is limited to only emergency road ambulance transport. Specifically, HBF does not cover:
- Air ambulance, such as the Flying Doctors service
- Emergency paramedic attendance on the scene
How to make a claim
At agreement hospitals, fees will often be passed on directly to HBF for payment. You may need to pay any applicable excess and gap expenses yourself at the time.
In non-member hospitals, you will need to submit a two-way claims form to Medicare after receiving treatment.