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HBF health insurance review

Winner of the 2024 Finder Insurance Award, HBF is a stand-out health insurer with some of the best value policies on the market.

Nicola Middlemiss's headshot

By

Nicola Middlemiss

Updated

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Our verdict

Pros

  • HBF offers low-cost policies, including Basic Plus hospital cover for less than $20 a week
  • As the 2024 FInder Insurance Award winner, HBF beats most health insurance brands on benefits and value
  • Plenty of options with 6 hospital policies and 6 extras policies to choose from

Cons

  • HBF's Gold tier hospital policies aren't the cheapest health insurance policies on the market
  • If you want cover mainly for braces, you'll be able to find cheaper Extras policies elsewhere
  • If you prefer a physical branch, your only options are in WA

HBF health insurance

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.

1 - 6 of 6
Updated regularly
Name Product Treatments Price Apply Hide Compare
Basic Hospital Plus $750/$1500 Excess
Basic Plus$750 excess
HBF Health Limited logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
    • +5 other treatments covered
$83.46
per month
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All treatments
Basic Hospital Plus Elevate $750/$1500 Excess
Basic Plus$750 excess
HBF Health Limited logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
    • +15 other treatments covered
$89.98
per month
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All treatments
Bronze Hospital Plus $750/$1500 Excess
Bronze Plus$750 excess
HBF Health Limited logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
    • +18 other treatments covered
$102.57
per month
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All treatments
Silver Hospital $750/$1500 Excess
Silver Plus$750 excess
HBF Health Limited logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
    • +25 other treatments covered
$128.84
per month
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All treatments
Silver Hospital Plus $750/$1500 Excess
Silver Plus$750 excess
HBF Health Limited logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
    • +26 other treatments covered
$183.92
per month
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All treatments
Gold Hospital Elevate $750/$1500 Excess
Gold$750 excess
HBF Health Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
    • +30 other treatments covered
$272.77
per month
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All treatments
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1 - 6 of 6
Updated regularly
Name Product Treatments Price Apply Hide Compare
Urgent Ambulance
Extras cover
HBF Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$4.86
per month
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All treatments
Basic Extras
Extras cover
HBF Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +1 other treatments covered
$20.39
per month
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All treatments
Flex 50
Extras cover
HBF Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +6 other treatments covered
$36.57
per month
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All treatments
Flex 60
Extras cover
HBF Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +6 other treatments covered
$55.34
per month
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All treatments
Complete 60
Extras cover
HBF Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +9 other treatments covered
$65.48
per month
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All treatments
Top 70
Extras cover
HBF Health Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +9 other treatments covered
$116.44
per month
Go to Site
All treatments
loading

How to make a claim

There are a few ways to claim with HBF.

  • HBF App: Download from the App Store or Google Play to claim via the app
  • myHBF: Claim online through HBF"s digital portal, myHBF
  • On the spot: Swipe your member card or tap your digital member card when paying
  • At a branch: Visit your nearest HBF branch
  • Mail: Return a claim form by mail to HBF, GPO Box 1440, Perth WA 6845

Complaints info

HBF has a promising complaints history. The 2023 State of the Health Funds Report noted that HBF has 7.7% of market share but accounted for only 3.7% of complaints received. This means it received fewer complaints than average.

Congratulations, HBF!

HBF received the following awards in the 2024 Product Awards:

  • 'Health Insurer of the Year' - Winner
  • 'Health Insurance - Basic Hospital' - Winner
  • 'Health Insurance - Silver Hospital' - Winner
  • 'Health Insurance - Medium Extras' - Winner
  • 'Health Insurance - Bronze Hospital' - Highly Commended
  • 'Health Insurance - Gold Hospital' - Highly Commended
Full list of 2024 winners

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FAQs

Nicola Middlemiss's headshot
Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 237 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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