HBF
Registered as HBF Health Limited · fund code HBF · Open membership
Health insurance
HBF sells 1,518 open policies with hospital cover (1,518 hospital-only, 0 combined with extras, counting one per state and household type) in all states, grouped below into 46 products, of which 40 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Corporate Gold Hospital | Gold | Hospital | — | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $171.33 – $797.18 | |
| Corporate Gold Hospital $250/$500 Excess | Gold | Hospital | $250 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $201.31 – $745.73 | |
| Corporate Gold Hospital $250/$500 Excess & Ambulance Care | Gold | Hospital | $250 | None | 38 | 0 | Corporate | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $203.48 – $750.08 | |
| Corporate Gold Hospital $500/$1000 Excess | Gold | Hospital | $500 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $177.76 – $694.89 | |
| Corporate Gold Hospital $500/$1000 Excess & Ambulance Care | Gold | Hospital | $500 | None | 38 | 0 | Corporate | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $179.93 – $699.24 | |
| Corporate Gold Hospital & Ambulance Care | Gold | Hospital | — | None | 38 | 0 | Corporate | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $173.50 – $801.53 | |
| Gold Hospital Elevate $500/$1000 Excess | Gold | Hospital | $500 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $239.34 – $1,176.73 | ||
| Gold Hospital Elevate $500/$1000 Excess & Ambulance Care | Gold | Hospital | $500 | None | 38 | 0 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $241.51 – $1,181.08 | ||
| Gold Hospital Elevate $750/$1500 Excess | Gold | Hospital | $750 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $222.43 – $1,113.86 | ||
| Gold Hospital Elevate $750/$1500 Excess & Ambulance Care | Gold | Hospital | $750 | None | 38 | 0 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $224.60 – $1,118.21 | ||
| Essential Silver Hospital $500/$1000 Excess | Silver Plus | Hospital | $500 | None | 29 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $97.64 – $471.89 | ||
| Essential Silver Hospital $500/$1000 Excess & Ambulance Care | Silver Plus | Hospital | $500 | None | 29 | 1 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $99.81 – $466.12 | ||
| Essential Silver Hospital $750/$1500 Excess | Silver Plus | Hospital | $750 | None | 29 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $81.60 – $412.15 | ||
| Essential Silver Hospital $750/$1500 Excess & Ambulance Care | Silver Plus | Hospital | $750 | None | 29 | 1 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $83.77 – $410.11 | ||
| Silver Hospital $250/$500 Excess | Silver Plus | Hospital | $250 | None | 30 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $106.81 – $571.27 | ||
| Silver Hospital $250/$500 Excess & Ambulance Care | Silver Plus | Hospital | $250 | None | 30 | 2 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $108.98 – $575.62 | ||
| Silver Hospital $500/$1000 Excess | Silver Plus | Hospital | $500 | None | 30 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $99.16 – $509.44 | ||
| Silver Hospital $500/$1000 Excess & Ambulance Care | Silver Plus | Hospital | $500 | None | 30 | 2 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $101.33 – $513.79 | ||
| Silver Hospital $750/$1500 Excess | Silver Plus | Hospital | $750 | None | 30 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $88.56 – $465.20 | ||
| Silver Hospital $750/$1500 Excess & Ambulance Care | Silver Plus | Hospital | $750 | None | 30 | 2 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $90.73 – $469.55 | ||
| Silver Hospital Plus $250/$500 Excess | Silver Plus | Hospital | $250 | None | 33 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $177.85 – $737.73 | ||
| Silver Hospital Plus $250/$500 Excess & Ambulance Care | Silver Plus | Hospital | $250 | None | 33 | 1 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $180.02 – $742.08 | ||
| Silver Hospital Plus $500/$1000 Excess | Silver Plus | Hospital | $500 | None | 33 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $152.91 – $677.64 | ||
| Silver Hospital Plus $500/$1000 Excess & Ambulance Care | Silver Plus | Hospital | $500 | None | 33 | 1 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $155.08 – $675.95 | ||
| Silver Hospital Plus $750/$1500 Excess | Silver Plus | Hospital | $750 | None | 33 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $141.18 – $635.32 | ||
| Silver Hospital Plus $750/$1500 Excess & Ambulance Care | Silver Plus | Hospital | $750 | None | 33 | 1 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $143.35 – $639.45 | ||
| Bronze Hospital Plus $250/$500 Excess | Bronze Plus | Hospital | $250 | None | 26 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $79.30 – $477.98 | ||
| Bronze Hospital Plus $250/$500 Excess & Ambulance Care | Bronze Plus | Hospital | $250 | None | 26 | 2 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $81.47 – $460.73 | ||
| Bronze Hospital Plus $500/$1000 Excess | Bronze Plus | Hospital | $500 | None | 26 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $71.96 – $413.36 | ||
| Bronze Hospital Plus $500/$1000 Excess & Ambulance Care | Bronze Plus | Hospital | $500 | None | 26 | 2 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $74.13 – $414.32 | ||
| Bronze Hospital Plus $750/$1500 Excess | Bronze Plus | Hospital | $750 | None | 26 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $65.05 – $374.56 | ||
| Bronze Hospital Plus $750/$1500 Excess & Ambulance Care | Bronze Plus | Hospital | $750 | None | 26 | 2 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $67.22 – $370.44 | ||
| Lite Bronze Hospital Plus $500/$1000 Excess | Bronze Plus | Hospital | $500 | None | 22 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $67.31 – $376.08 | ||
| Lite Bronze Hospital Plus $500/$1000 Excess & Ambulance Care | Bronze Plus | Hospital | $500 | None | 22 | 3 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $69.48 – $368.22 | ||
| Lite Bronze Hospital Plus $750/$1500 Excess | Bronze Plus | Hospital | $750 | None | 22 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $61.31 – $336.19 | ||
| Lite Bronze Hospital Plus $750/$1500 Excess & Ambulance Care | Bronze Plus | Hospital | $750 | None | 22 | 3 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $63.48 – $330.81 | ||
| Basic Hospital Plus $500/$1000 Excess | Basic Plus | Hospital | $500 | None | 5 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $62.92 – $327.98 | ||
| Basic Hospital Plus $500/$1000 Excess & Ambulance Care | Basic Plus | Hospital | $500 | None | 5 | 3 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $65.09 – $310.17 | ||
| Basic Hospital Plus $750/$1500 Excess | Basic Plus | Hospital | $750 | None | 5 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $57.62 – $307.99 | ||
| Basic Hospital Plus $750/$1500 Excess & Ambulance Care | Basic Plus | Hospital | $750 | None | 5 | 3 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $59.79 – $295.18 | ||
| Basic Hospital Plus Elevate $500/$1000 Excess | Basic Plus | Hospital | $500 | None | 15 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $66.13 – $373.04 | ||
| Basic Hospital Plus Elevate $500/$1000 Excess & Ambulance Care | Basic Plus | Hospital | $500 | None | 15 | 3 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $68.30 – $362.53 | ||
| Basic Hospital Plus Elevate $750/$1500 Excess | Basic Plus | Hospital | $750 | None | 15 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $60.92 – $339.06 | ||
| Basic Hospital Plus Elevate $750/$1500 Excess & Ambulance Care | Basic Plus | Hospital | $750 | None | 15 | 3 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $63.09 – $328.20 | ||
| Basic Hospital Accident Only $750/$1500 Excess | Basic | Hospital | $750 | None | 0 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $53.01 – $270.49 | ||
| Basic Hospital Accident Only $750/$1500 Excess & Ambulance Care | Basic | Hospital | $750 | None | 0 | 3 | VIC, SA, WA, NT | SCFPSingle, Couple, Family, Single parent | $55.18 – $272.02 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 0 of 38 categories covered, 3 restricted, 35 not covered
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Basic Hospital Accident Only $750/$1500 Excess (Basic, hospital); Basic Hospital Accident Only $750/$1500 Excess & Ambulance Care (Basic, hospital)
Cover profile 2 · 5 of 38 categories covered, 3 restricted, 30 not covered
Covered Dental surgery, Gynaecology, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products Basic Hospital Plus $500/$1000 Excess (Basic Plus, hospital); Basic Hospital Plus $500/$1000 Excess & Ambulance Care (Basic Plus, hospital); Basic Hospital Plus $750/$1500 Excess (Basic Plus, hospital); Basic Hospital Plus $750/$1500 Excess & Ambulance Care (Basic Plus, hospital)
Cover profile 3 · 22 of 38 categories covered, 3 restricted, 13 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery
Products Lite Bronze Hospital Plus $500/$1000 Excess (Bronze Plus, hospital); Lite Bronze Hospital Plus $500/$1000 Excess & Ambulance Care (Bronze Plus, hospital); Lite Bronze Hospital Plus $750/$1500 Excess (Bronze Plus, hospital); Lite Bronze Hospital Plus $750/$1500 Excess & Ambulance Care (Bronze Plus, hospital)
Cover profile 4 · 15 of 38 categories covered, 3 restricted, 20 not covered
Covered Blood, Bone, joint and muscle, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Digestive system, Ear, nose and throat, Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Eye (not cataracts), Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Basic Hospital Plus Elevate $500/$1000 Excess (Basic Plus, hospital); Basic Hospital Plus Elevate $500/$1000 Excess & Ambulance Care (Basic Plus, hospital); Basic Hospital Plus Elevate $750/$1500 Excess (Basic Plus, hospital); Basic Hospital Plus Elevate $750/$1500 Excess & Ambulance Care (Basic Plus, hospital)
Cover profile 5 · 26 of 38 categories covered, 2 restricted, 10 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery
Products Bronze Hospital Plus $250/$500 Excess (Bronze Plus, hospital); Bronze Hospital Plus $250/$500 Excess & Ambulance Care (Bronze Plus, hospital); Bronze Hospital Plus $500/$1000 Excess (Bronze Plus, hospital); Bronze Hospital Plus $500/$1000 Excess & Ambulance Care (Bronze Plus, hospital); Bronze Hospital Plus $750/$1500 Excess (Bronze Plus, hospital); Bronze Hospital Plus $750/$1500 Excess & Ambulance Care (Bronze Plus, hospital)
Cover profile 6 · 29 of 38 categories covered, 1 restricted, 8 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Essential Silver Hospital $500/$1000 Excess (Silver Plus, hospital); Essential Silver Hospital $500/$1000 Excess & Ambulance Care (Silver Plus, hospital); Essential Silver Hospital $750/$1500 Excess (Silver Plus, hospital); Essential Silver Hospital $750/$1500 Excess & Ambulance Care (Silver Plus, hospital)
Cover profile 7 · 30 of 38 categories covered, 2 restricted, 6 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Joint replacements, Pregnancy and birth, Weight loss surgery
Products Silver Hospital $250/$500 Excess (Silver Plus, hospital); Silver Hospital $250/$500 Excess & Ambulance Care (Silver Plus, hospital); Silver Hospital $500/$1000 Excess (Silver Plus, hospital); Silver Hospital $500/$1000 Excess & Ambulance Care (Silver Plus, hospital); Silver Hospital $750/$1500 Excess (Silver Plus, hospital); Silver Hospital $750/$1500 Excess & Ambulance Care (Silver Plus, hospital)
Cover profile 8 · 33 of 38 categories covered, 1 restricted, 4 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Dialysis for chronic kidney failure, Pregnancy and birth, Weight loss surgery
Products Silver Hospital Plus $250/$500 Excess (Silver Plus, hospital); Silver Hospital Plus $250/$500 Excess & Ambulance Care (Silver Plus, hospital); Silver Hospital Plus $500/$1000 Excess (Silver Plus, hospital); Silver Hospital Plus $500/$1000 Excess & Ambulance Care (Silver Plus, hospital); Silver Hospital Plus $750/$1500 Excess (Silver Plus, hospital); Silver Hospital Plus $750/$1500 Excess & Ambulance Care (Silver Plus, hospital)
Cover profile 9 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Corporate Gold Hospital (Gold, hospital); Corporate Gold Hospital $250/$500 Excess (Gold, hospital); Corporate Gold Hospital $250/$500 Excess & Ambulance Care (Gold, hospital); Corporate Gold Hospital $500/$1000 Excess (Gold, hospital); Corporate Gold Hospital $500/$1000 Excess & Ambulance Care (Gold, hospital); Corporate Gold Hospital & Ambulance Care (Gold, hospital); Gold Hospital Elevate $500/$1000 Excess (Gold, hospital); Gold Hospital Elevate $500/$1000 Excess & Ambulance Care (Gold, hospital); Gold Hospital Elevate $750/$1500 Excess (Gold, hospital); Gold Hospital Elevate $750/$1500 Excess & Ambulance Care (Gold, hospital)
Extras profiles
No extras profiles: the fund sells no combined policies.
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (36 products)
- Waiting profile 2: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (10 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/hbf.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Premiums change without notice, usually on 1 April each year, and insurers apply waiting periods, exclusions and eligibility rules not fully captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.