Compare HBF health insurance


A nonprofit health fund founded in WA in 1941 with almost a million members nationally.

Fund information


Bupa and HBF are making big changes to some policies, which means reduced cover for many customers. We've updated our health insurance comparison tool with the changes, so you can compare with confidence. Switch before 1 July to avoid serving waiting periods again and losing the cover you need.

HBF summary

Is HBF nonprofit? 

Does HBF get many complaints from members? 

How good is HBF's gap cover? 

How many hospital agreements does HBF have in my state? 

Does HBF offer any discounts?

Does HBF offer ambulance cover?

Does HBF let you claim online or in-app?

What CHOICE Community says about HBF


HBF summary

HBF

A nonprofit health fund, HBF was founded in WA in 1941. It acquired GMF Health in 2015, and today has more than a million members nationally. It is part of Members Own Health Funds, an alliance of 15 nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

HBF contact details

Phone: 133 423

Email: hello@hbf.com.au

Website: hbf.com.au


Is HBF nonprofit?

Yes.


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Does HBF get many complaints from members?

HBF complaints rating: Medium

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
  • The infographic below shows the complaints about the fund to the Ombudsman as a percentage of all complaints. Complaints can be about benefits or customer service. The most serious complaints are escalated for investigation.
  • The higher the share of complaints a fund receives above its market share, the worse its performance compared to other funds. If its share of complaints is below its market share, that's a better result.

HBF accounts for...

8.0 % of the health insurance market

4.3% of all complaints about benefit payments

2.8% of all complaints about service

2.4% of all complaints that are escalated to investigations.

How good is HBF's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that HBF covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

HBF gap cover performance by state

New South Wales (NSW)

Below average

Australian Capital Territory (ACT)

Below average

Victoria (Vic)

Well below average

Queensland (Qld)

Below average

South Australia (SA)

Well below average

Western Australia (WA)

Above average

Tasmania (Tas)

Well below average

Northern Territory (NT)

Well below average

Percentage of medical services covered with no gap

New South Wales (NSW)

HBF – 65.4%

Industry average – 86.3%

Australian Capital Territory (ACT) 

HBF – 55.4%

Industry average – 76.7%

Victoria (Vic) 

HBF – 66.1%

Industry average – 85.0%

Queensland (Qld) 

HBF – 62.2%

Industry average – 85.1%

South Australia (SA) 

HBF – 57.7%

Industry average – 86.8%

Western Australia (WA) 

HBF – 87.8%

Industry average – 90.1%

Tasmania (Tas) 

HBF – 62.1%

Industry average – 83.0%

Northern Territory (NT) 

HBF – 46.2%

Industry average – 80.1%

How many hospital agreements does HBF have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements HBF has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

HBF has

ACT

6 private hospital agreements out of an industry maximum of 7

7 day hospital agreements out of an industry maximum of 8

NSW

93 private hospital agreements out of an industry maximum of 100

85 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

51 private hospital agreements out of an industry maximum of 58

45 day hospital agreements out of an industry maximum of 53

SA

24 private hospital agreements out of an industry maximum of 27

23 day hospital agreements out of an industry maximum of 28

Tas

5 private hospital agreements out of an industry maximum of 8

3 day hospital agreements out of an industry maximum of 6

Vic

77 private hospital agreements out of an industry maximum of 79

67 day hospital agreements out of an industry maximum of 79

WA

23 private hospital agreements out of an industry maximum of 23

21 day hospital agreements out of an industry maximum of 29

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Does HBF offer any discounts?

Discount for direct debit: Unknown

Discount for annual prepay: Unknown

Total discount for annual prepay via direct debit: Unknown


Does HBF offer ambulance cover?

All HBF extras, hospital and combined policies have emergency ambulance cover (but not air ambulance). Dental Saver has no ambulance cover.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


Does HBF let you claim online or in-app?

Unknown.


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What CHOICE Community says about HBF

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about HBF Health to share your experiences or gain more insights into this health fund.