Frequently asked questions
What's the offer?
We're giving eligible customers a $500 digital Visa card when they switch their health insurance (hospital + extras) to HBF through Finder's comparison service.
What HBF policies are eligible?
You'll need to sign up for both hospital and extras cover together from this list:
Hospital options
- Basic Accident Hospital (available from 19 May)
- Basic Hospital Plus
- Basic Hospital Plus Elevate
- Lite Bronze Hospital Plus (available from 19 May)
- Bronze Hospital Plus
- Silver Hospital Plus
- Silver Hospital
- Gold Hospital Elevate
Extras options
- Basic Extras
- Flex 50
- Flex 60
- Core Extras (available from 19 May)
- Complete 60
- Top 70
Who's not eligible?
You won't qualify if:
- You're already with HBF (unless you're a dependent coming off a family plan)
- You've received another HBF promo, save offer or corporate discount in the past 12 months
- You pay premiums quarterly, half-yearly or annually
- Your name and email don't match exactly between your Finder quote and HBF purchase
- You're not a Finder member
- You're an HBF employee or family member using a staff discount
- You sign up before 15 May or after 6.00pm 19 May 2025
- You're not a Finder member
How and when will I get the $500 reward?
If you're eligible, here's what happens next:
- Eligibility check happens by 14 July 2025
- Visa card sent by 31 August 2025
- Activate your Visa card by 30 November 2025
The card will come via email from our fulfillment partner, Blackhawk Network.
Make sure your payments are up to date and your policy is still active when we check.
When does the $500 Visa card expire?
Once you activate your digital Visa card, it will remain valid for 3 years from the date of activation.
You'll receive instructions on how to activate your card when it's sent to you. Just make sure to activate it by 30 November 2025 - that's 3 months after the issue date - so you can start using it before it expires.
Can I add the $500 Visa card to Apple Pay or Google Pay?
Yes, you can. Once you receive your digital Visa card, you'll be able to add it to Apple Pay or Google Pay and use it just like you would any other card in your digital wallet.
You'll get setup instructions when the card is sent to you.
What if I entered my details incorrectly?
To qualify for the reward, your first name, last name and email address must match exactly between your Finder quote and your HBF purchase. If anything doesn't match, your reward may not be issued - so double-check your details before completing the switch.
Can I claim this offer if I've used another HBF promotion?
No - you can't combine this reward with any other HBF promotion, corporate discount or offer (except for the direct debit discount). If you've redeemed an HBF promotional or save offer in the last 12 months, you won't be eligible.
Who do I contact if I haven't received my reward?
If it's after 31 August 2025 and you still haven't received your digital Visa card, check your spam folder first. If it's not there, contact Finder's customer service team with the email you used to sign up.
Other important stuff
- This offer is run by Finder (Hive Empire Pty Ltd, ABN: 18 118 785 121).
- The reward is fulfilled by Blackhawk Network. Their terms apply too.
- Finder may earn a commission if you switch through our service - but we're here to help you choose what's right for you.
- Always check HBF's terms and conditions and privacy policy before signing up.
- We may change or end this offer at any time. The latest terms will always apply.
Got questions?
We're here to help. If you're unsure about eligibility or how the process works, reach out to us before you switch.