Our mission at ComparingExpert is to provide our users with free information and tools that empowers you to make decisions with confidence. We may be paid when readers visit links, purchase products or services from partners listed on this site. You have the option to combine their Hospital and Extras policies for cover that suits your unique requirements. As a not-for-profit health fund, HBF is owned by its members and all profits from premiums received are reinvested to allow the fund to continue to provide you with new or improved benefits. ComparingExpert does not currently have access to this provider.
Leaving your family health policy
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Compare your options and choose the level of cover that suits your needs, budget and lifestyle. Please note: Our rate increase is effective 1 April , so your premium will increase slightly for payments made after that date. If you would like to make a saving by locking in the current rate for the next 12 months, please opt to pay for a year upfront when joining HIF. Vital Options covers a range of popular Extras, and claiming is easy! Want low-cost Extras with big benefits?
You are an outpatient if you go to hospital to receive treatment but the hospital does not admit you for example, you only undergo pathology tests or radiology services at the hospital and go home. You may be able to make a claim from Medicare to pay for those types of services as some of them are eligible for Medicare rebates. If you need assisted reproductive services, or IVF, these services have a 2 month waiting period. If these services are needed due to a pre-existing condition, a 12 month waiting period applies.
This excess is based on a calendar year, and applies for all hospital admissions, including overnight admission or day procedures. On selected family products excess payments do not apply to hospital admissions for child dependants. Excess payments do not apply to hospital admissions for child dependants. See our glossary for a full definition.