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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.

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.

Name Product Treatments Price Apply Hide Compare
HBF 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
Go to Site
All treatments
HBF 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
Go to Site
All treatments
HBF 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
Go to Site
All treatments
Silver Hospital $750/$1500 Excess
Silver Plus$750 excess
HBF 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
Go to Site
All treatments
HBF 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
Go to Site
All treatments
HBF 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
Go to Site
All treatments
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Name Product Treatments Price Apply Hide Compare
Urgent Ambulance
Extras cover
HBF logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$4.86
per month
Go to Site
All treatments
Basic Extras
Extras cover
HBF logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$20.39
per month
Go to Site
All treatments
Flex 50
Extras cover
HBF logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$36.57
per month
Go to Site
All treatments
Flex 60
Extras cover
HBF logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$55.34
per month
Go to Site
All treatments
Complete 60
Extras cover
HBF logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +9 other treatments covered
$65.48
per month
Go to Site
All treatments
Top 70
Extras cover
HBF 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
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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

Sign-up deals with HBF for June 2024

Name Product

Get a FREE Gift Card on eligible hospital and extras cover

Ends 05 July 2024

Join HBF by 5 July 2024 to get a $300 gift card on couple/family policy or $150 gift card on a single/single parent policy after a month. New member offer. T&Cs apply.

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