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HBF

WA’s biggest health fund has over 900 000 members. They offer a range of Hospital and Extras policies, including Young Saver Hospital, Healthy Saver Hospital, Mid and Top cover, and Essential Saver Extras (with some popular Extras services), Easy 8 (8 popular Extras are included here) and Premium Extras (which includes 40 Extras services).

• Their not-for-profit status means that members get lower premiums.
• Members get more back by using Member Plus optical and dental stores.
• Out-of-pocket expenses can be reduced by adding GapSaver to policies.