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Compare HBF health insurance

How HBF rates for member complaints, gap cover and ambulance.

CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

HBF summary

A nonprofit health fund, HBF was founded in WA in 1941 and is headquartered in Perth. HBF has more than a million members nationally with the majority of these in WA.

Phone: 133 423


Is HBF nonprofit?


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.

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

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

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.

Does HBF offer any discounts?

Discount for direct debit: 4%

Discount for annual prepay: 3.85%

Total discount for annual prepay via direct debit: 7.85%

Youth discounts: None.

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.

Does HBF offer family policies that cover adult children?

Yes, adult children are covered up to age 25 if not living with a partner and either in full-time study or earning less than $24,500 per year.

Does HBF let you claim online or in-app?


We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.