HBF Health Insurance Review

Canstar has partnered with ItsMy Group Pty Ltd (ABN 85 167 289 965) (“ItsMy Health”) to help you compare and switch health insurance. Canstar and ItsMy Health may both earn a fee from referrals. Fees payable by providers for referrals may vary. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards. Our health insurance policy recommendations are never influenced by what we are paid. The health insurance specialists you talk to do not know how much Canstar and ItsMy Health are paid by the fund they recommend, that is kept completely confidential.

Both Canstar and ItsMy Health are members of the Private Health Insurance Intermediaries Association (“PHIIA”) and are signatories to the PHIIA Code of Conduct.

If you choose to book a call or speak with a health insurance specialist over the phone, this service is provided by Canstar in connection with ItsMy Group Pty Ltd (ABN 85 167 289 965) (“ItsMyHealth”) Canstar has partnered with ItsMyHealth to help you compare and switch health insurance. As a result, you may receive private health insurance advice from ItsMyHealth. Canstar is not responsible to you for any advice ItsMyHealth provides to you. Not all policies shown on the Canstar website can be discussed or purchased over the phone. If you make a decision to enter into a health insurance policy, you are responsible for all fees payable in relation to that policy. Before applying for any health insurance policy, you should read and understand the product information. Consider the Product Summary to obtain full details of inclusions, exclusions, waiting periods and all limits that may apply.

Both Canstar and ItsMyHealth are members of the Private Health Insurance Intermediaries Association (“PHIIA”) and are signatories to the PHIIA Code of Conduct.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general advice is right for your personal circumstances. You may need advice from a qualified adviser. The health insurance comparison and call back service is provided by Canstar Pty Ltd (ABN 21 053 646 165) (“Canstar”) in connection with ItsMyGroup Pty Ltd (ABN 85 167 289 965) (“ItsMy Health”). Canstar has partnered with ItsMyHealth to help you compare and switch health insurance. Canstar is not responsible to you for any advice ItsMy Health provides to you.

Not all policies shown on the Canstar website can be discussed or purchased over the phone. The health insurance products shown on the Canstar website and discussed with you if you speak to a health insurance specialist over the phone do not include all health insurance providers or policies available in the market. At times certain brands or products may not be available or offered to you.

If you decide to apply for an insurance policy, you will deal directly with the provider, not with Canstar or ItsMy Health. It’s important you check product information directly with the provider. Consider the Product Summary to obtain full details of inclusions, exclusions, waiting periods and all limits that may apply.

Companies listed in the table, or in ads, may use or be used by another company to arrange, issue, distribute or sell its insurance policies to customers. For more information on the issuer of the policy, please read the Product Disclosure Statement.

If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy.

Before applying for any health insurance policy, you should read and understand the product information. Consider the Product Summary to obtain full details of inclusions, exclusions, waiting periods and all limits that may apply.

The Health Insurance Cover Ratings are updated monthly, based on the information held in our database at the time of rating. While we aim to maintain monthly updates, there may be occasional delays. The data on Canstar's database is sourced from the Private Health Insurance Ombudsman (PHIO) database and information provided by providers. Providers are given the opportunity to review and verify this data periodically and upon request. Ratings are reviewed and recalculated monthly to ensure accuracy by aligning with the PHIO data release schedule, although some insurer-level data is updated less frequently by PHIO and may not change month-to-month.

Cover Ratings reflect the data available as at the date listed in the Cover Rating pop-up on the table. While Cover Ratings are reviewed and recalculated monthly, PHIO may update some of its data annually.

The results don’t include every provider in the market and we may not compare all features relevant to you.

You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Learn more about our Health Insurance Cover Rating Methodology. The rating shown is only one factor to take into account when considering products.

The Cover Rating does not match your exact inputs. Sometimes the methodology uses profiles with categories or bands, but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.