Health Fund Information
The Hospital Benefit Fund (HBF) was set up in 1941 as the Metropolitan Hospital Benefit Fund. It had a strong WA focus and this is still the case. It is WA’s biggest private health fund and serves over 900,000 members. They are a not-for-profit health fund and also offer car, home and travel insurance.
Their not-for-profit status means lower premiums for their members
Lower out-of-hospital costs at Member Plus hospitals
Members get more back at Member Plus optical and dental stores.
GapSaver can be added to most policies to use for out-of-pocket expenses or extras.
Types of Cover
HBF offer hospital-only, extras-only and combination packages.
Young Saver Hospital is a basic level of hospital cover aimed at the young and healthy. It includes psychiatric and rehab services but excludes assisted reproductive services, heart procedures, cataract and eye lens procedures, joint replacement surgery and pregnancy/birth related service.
Healthy Saver Hospital is a relatively basic level of hospital cover but does include pregnancy/birth related services, in hospital pharmacy and psychiatric and rehab services. Heart procedures, cataract and eye lens procedures and joint replacement surgery is all excluded on this policy.
Mid Hospital is a mid-level hospital policy and includes heart procedures, in hospital pharmacy, and psychiatric and rehab services. Pregnancy/birth related services, assisted reproductive services, cataract and eye lens procedures and joint replacement surgery is all excluded on this policy.
Top Hospital is the broadest level of hospital cover and has no notable exclusions.
Dental Saver is aimed at those who are just want to have cover for general dental and don’t want to pay for unwanted extras.
Essential Saver is a relatively basic level of extras cover. It includes general dental and urgent ambulance as standard, plus a choice of two other extras. The choice includes major dental, optical, chiro, osteopathy, pharmacy, physio, podiatry and remedial massage.
Easy 8 - This includes eight popular Essentials extras, plus 80 per cent back.
Extras Essentials - This is a mid-level extras cover with 20 extras. As well as popular extras, it also includes complementary therapies, clinical psychology and dietetics.
Premium Extras – This is HBF’s top level extras cover, with almost 40 extras included.
Young Singles Saver Twin Pack – This is a basic hospital and extras package aimed at young and healthy singles. It combines low level hospital cover with some popular extras.
Smart Saver Twin Pack - This is another relatively basic hospital and extras package but it does include pregnancy and birth related services, plus 10 Essentials extras.
Prime Health Package – This is a comprehensive hospital and extras package but it does not include pregnancy and birth related services.
Ultimate Package – HBF’s top level hospital and extras package means that members are fully covered for hospital services and can get 90 to 100 per cent back on extras.
Members get a 10 per cent discount if they buy home or car insurance on top of their health insurance. If they buy both, they get a 14.5 per cent discount.
Members also get a 10 per cent discount on travel insurance, plus an extra 10 per cent off if this is bought online.
Claims can be made online via myHBF and extras claims can usually be made on-the-spot at the point-of-service. Claims can also be made at a local HBF branch or by downloading a claim form from the HBF website and mailing it to HBF’s main address in Perth.
HBF have stores across WA, including Perth, Booragoon, Karringyup, Fremantle, Midland, Joondalup, Rockingham, Mandurah and Albany.