HBF Health Insurance

HBF is a provider of health insurance in Australia.

What health insurance products does HBF offer?

HBF’s health insurance policies are designed to suit a variety of different life stages, including singles, couples, families and single parents. At the time of writing, HBF provides the following hospital, extras and combined hospital and extras products:

  • HBF hospital cover options: consumers can choose from Basic Hospital Plus, Basic Hospital Plus Elevate, Bronze Hospital Plus, Silver Hospital, Silver Hospital Plus and Gold Hospital policies.
  • HBF extras cover options: consumers can choose from Basic Extras, Flex 50, Flex 60, Complete 60 and Top 70 extras policies.
  • HBF combined cover options: consumers can choose to combine their choice of hospital cover with an extras policy.
  • HBF ambulance cover: ambulance cover is offered in all HBF hospital policies (excludes Queensland and Tasmanian residents).

Read more about what’s generally covered by Gold, Silver, Bronze and Basic hospital cover, as well as extras policies.

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HBF health insurance FAQs

If you decide to take out HBF health insurance, you can get a quote on HBF’s website or over the phone. You’ll need to select your desired policy inclusions and extras. If you request hospital cover as part of your policy, you may be asked what tier of cover you would like.

To help you find a health insurance policy that satisfies your budget and desired level of coverage, you may want to first compare your options with Canstar.

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You can manage your HBF health insurance policy by logging into the myHBF portal on the HBF website. From here, you will be able to make a claim, update your personal or payment details and view your extras limits and usage.

HBF’s extras policies include cover for restorative and preventative dental, and extras policies besides the Basic Extras cover include major dental and implants. Additionally, HBF’s hospital policies all include cover for dental surgery.

All of HBF’s extras policies include cover for physiotherapy. Your exact claim caps or limits may vary depending on the level of cover you choose.

HBF’s Gold Hospital policy provides cover for obstetrics (pregnancy and birth).

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Once you’ve received medical treatment or made a purchase covered by your policy, the next step is to make a claim.

If you are claiming on extras you may be able to claim on the spot, provided your healthcare provider uses the HICAPS system. This will process your claim automatically.

You can also make a claim by logging into the myHBF portal on the HBF website and following the prompts. Contact HBF or visit its website if you need assistance. You can also make claims on the HBF app, as well as update payment details and view past claims.

At the time of writing, HBF does not offer Overseas Student Health Cover (OSHC). If you are an international student currently in Australia on a study visa or are planning to do so in the future, you can compare OSHC policies available in Australia with Canstar:

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At the time of writing, HBF does offer Working Visa Health Cover (also known as Overseas Visitors Health Cover or OVHC). However, keep in mind, if you’re on an overseas visa and are from a country with a reciprocal healthcare agreement, you could be eligible for another local policy and/or Medicare benefits.

You can compare OVHC policies on Canstar’s website:

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HBF (Hospital Benefit Fund) has been in operation for more than 80 years and is best known as being a provider of health insurance. It acquired health insurance provider GMF in 2015. It has also signed a partnership with Great Southern Bank to offer its customers health insurance under the CUA Health brand.

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This content was reviewed as part of our fact-checking process.

Written by: Shay Waraker | Last updated: October 13, 2021