The HBF Health Insurance Hub

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Private health insurance to suit you

With HBF, you can explore a range of award-winning health insurance services for you and your whole family.

HBF LogoThis guide to health insurance is brought to you by HBF and Finder. Get up to 12 weeks free and up to $200 gift card. For new members who join by 8 Dec and maintain hospital and extras cover. T&Cs apply T&Cs apply.


About HBF

For more than 80 years, HBF has been helping Australians get insured for their healthcare needs. As a not-for-profit fund, HBF works to give more benefits back to its members -- more than one million of them across the country.

HBF offers a range of features, including:

  • Mix-and-match policies allow you to choose the cover you want
  • Exclusive membership
  • Extra benefits through HBF's partners
  • Finder Award-winning cover
  • Access digital self-service through myHBF and the HBF app.

Getting cover with HBF

HBF offers hospital and extras cover to suit a range of healthcare needs, lifestyles and families. Make sure you visit the HBF website to see the full selection on offer.


Finder Awards badge

Congratulations, HBF!

HBF was a big winner in the 2026 Finder Awards.

  • Winner, Best Hospital Cover: VIC and TAS
  • Highly commended, Best Health Insurance: National, NSW, VIC, QLD, SA, WA, TAS and NT
  • Highly commended, Best Hospital Cover: National, NSW, QLD, SA, WA and NT
  • Highly commended, Best Extras Cover: QLD, SA, WA, TAS and NT
  • Highly commended, Best Overseas Visitor Health Cover

Explore health insurance with HBF


Helpful articles and resources for healthy families


Learn more about HBF health insurance policies

Finder Score Treatments Price
Finder score
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
$94.93
per month
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
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Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$79.96
per month
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$88.60
per month
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$95.52
per month
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
$109.17
per month
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
$120.49
per month
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
$135.52
per month
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
$193.58
per month
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
$319.60
per month
Intro offer: Get 6 weeks free after your first month of hospital cover. For new members who join eligible hospital cover by 17 Nov 2026. T&Cs apply.
Go to Site View details
Compare product selection
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Showing 9 of 9 results
Finder Score Treatments Price
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$16.82
per month
Intro offer: Get 6 weeks free on eligible extras cover. For new members who join by 17 Nov 2026 and maintain eligible extras cover. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$5.27
per month
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$21.89
per month
Intro offer: Get 6 weeks free on eligible extras cover. For new members who join by 17 Nov 2026 and maintain eligible extras cover. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$32.15
per month
Intro offer: Get 6 weeks free on eligible extras cover. For new members who join by 17 Nov 2026 and maintain eligible extras cover. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$38.94
per month
Intro offer: Get 6 weeks free on eligible extras cover. For new members who join by 17 Nov 2026 and maintain eligible extras cover. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$42.37
per month
Intro offer: Get 6 weeks free on eligible extras cover. For new members who join by 17 Nov 2026 and maintain eligible extras cover. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$60.11
per month
Intro offer: Get 6 weeks free on eligible extras cover. For new members who join by 17 Nov 2026 and maintain eligible extras cover. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$73.56
per month
Intro offer: Get 6 weeks free on eligible extras cover. For new members who join by 17 Nov 2026 and maintain eligible extras cover. T&Cs apply.
Go to Site View details
Compare product selection
HBF Health Limited logo
Finder score
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$128.69
per month
Intro offer: Get 6 weeks free on eligible extras cover. For new members who join by 17 Nov 2026 and maintain eligible extras cover. T&Cs apply.
Go to Site View details
Compare product selection
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Tom Goodwin's headshot

Tom Goodwin is the senior commercial editor for Finder. With more than a decade of experience in the field, he's worked for a variety of high-profile publications and clients, including Reader's Digest, MPA, Insurance Business and HRD Magazine. See full bio

Tom's expertise
Tom has written 413 Finder guides across topics including:
  • Commercial content

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