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New HBF digital member card
Who needs another card in their wallet? Download the digital member card and use your phone to tap and claim at a HICAPS or Smart Health terminal for your covered extras services.*
Australian health insurance premiums are reviewed every year. No matter what those changes might be, these little tips could help you save a lot.
If your HBF premium is changing, it will change on the 1st of April each year.
At HBF, you can pre-pay before 1 April to 'lock in' the current rate. Get the details about the 2023 rate change and more on our Frequently Asked Questions page.
Member Plus is a network of providers who have partnered with us to help minimise your out-of-pocket costs.
Learn more
When it’s time to visit hospital, follow these steps.
The Medicare Levy Surcharge (MLS) is a tax applied to people who don’t have an appropriate level of hospital cover and from July 1 2023:
The tax is designed to encourage Australians to get hospital cover and use private hospitals. This reduces demand on the public health system.
You can avoid this tax by getting hospital cover. It's good to note that the cost of the Medicare Levy Surcharge often exceeds the cost of getting hospital cover.
Our lives are constantly changing and it's all too easy to let your health insurance fall out of step with your needs.
A Policy Health Check is a conversation about your cover, to make sure it still suits you and your budget.
We'll help you find our best cover that suits your needs.
We're always looking at ways so we can improve your experience and would greatly appreciate your feedback. It only takes a few minutes and will also help other users.
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If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location.