HBF’s health insurance offers five Hospital Cover options; Basic plus, Bronze plus, Silver, Silver Plus and Gold. An optional hospital excess is designed to help reduce your premiums. You only need to pay the excess when you or someone else on your policy needs to go to hospital. *On Hospital covers available for sale. From our great-value Vital Options insurance that starts from just $5.15 1 a week, through to our top-level Premium Options cover which includes HIF Second Opinion, giving you access to the best medical advice from the world’s leading specialists. With HBF, when you’re admitted to hospital for treatment you will get 100% back for the cost of your hospital accommodation and specialists so long as you choose providers that have ‘no-gap’ (otherwise known as ‘fully covered’) agreements with your health fund. Rehabilitation. Use the table below to see which excess rules apply to your cover. With hospital insurance, you can go to a private hospital for treatment, choose your own specialist and time of treatment, and gain access to a private room (so long as it’s covered on your policy and there’s one available). Will a higher excess save you money? When you buy hospital insurance for the first time, if you’ve not had it for a long time, or you upgrade to include a new service or procedure, there will generally be a waiting period you need to serve before you can claim. Hospital insurance helps cover the cost of ‘inpatient’ services—these are treatments you receive when you’re formally admitted to hospital for care, e.g. The excess is your contribution to your hospital treatment. An excess is an amount you pay as a contribution when you go to hospital We'll help you find our best cover that suits your needs. depends on the level of hospital cover you choose. The cost varies depending on which state you live in, how much you earn, your level of excess and when you first bought health insurance. About HBF. Removal of excess skin due to weight loss is covered separately under the clinical category Weight loss surgery. Please enable JavaScript by following this link. Hospital. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover. $31.55 This fee is in addition to any excess or co-payment you may have as part of your hospital cover. HBF is most well known for its health insurance policies and was established as the Metropolitan Hospital Benefit Fund in 1941 to help Western Australians cover the cost of hospital treatment. Check if your excess has changed. Send a claim, keep on top of your extra's limits, view all your important documents and update your details on the go. 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. So we need to make sure you're looking at the right information to give you an accurate quote. Excess Top Hospital members have the choice of adding a $250 or $500 excess to reduce the premium. © 2021 Copyright HBF Health Limited - (ABN) 11 126 884 786 and its subsidiaries. 4 No excess for kids applies to single parent or family hospital covers only. Hospital insurance, also known as hospital cover, helps cover costs when you go to hospital for surgery and other types of medical treatment. The product you’ve selected isn’t available for purchase in your state. HBF does not cover air ambulance. HCF HOSPITAL BRONZE PLUS PRODUCT SUMMARY FEATURES HOSPITAL INCLUDES: Flexible excess options - choose from a $250, $500 or $750 excess Cover for digestive system procedures, bone, joint and muscle procedures and more Ambulance cover in emergencies BE REWARDED WITH A GREAT RANGE OF Please note: For family policies, no excess applies to dependent children under the age of 18. Between the diagnosis and the operations, it was about three weeks. HBF Health Limited Bronze Hospital Plus $500 excess HBF's Bronze Hospital Plus cover offers a good starting point for those looking for an entry-level policy. There’s no excess for any dependants on your policy. Generally, the higher your excess, the lower your premium. When going to hospital, the amount of excess you chose will be the sum you are required to pay upfront prior to claiming a benefit from your health fund. We'll help you find our best cover that suits your needs. Select cover & get a quote today. Frank (GMHBA) Top Hospital (Silver+), cost per month $252. We explain what's covered under Silver hospital insurance, the differences between Silver and Silver Plus, and what you can expect to pay. How we chose the winners Frank (GMHBA) Max Hospital (Silver+), cost per month $204. Where your treatment is an included service on your hospital cover, your hospital costs will either be fully or partially covered depending on the type of agreement your health fund has with your specialists and hospital. Hospital excess is the amount of money you contribute upfront (out of your own pocket) before you can claim a benefit on hospital treatment. published 1 day ago. HBF is now an Australia-wide insurance fund that covers over 900,000 members. It provides cover for all clinical categories. This site requires JavaScript. So we need to make sure you're looking at the right information to give you an accurate quote. An excess is a sum of money you pay upfront before you receive hospital treatment. Their mascot is the famous WA quokka. Budget-friendly hospital cover for a range of treatments, combined with flexible extras cover that gives 50% or more back on 12 popular services. HBF Hospital Cover Getting the right health cover for you is in the details. When can I start using my hospital insurance. Top hospital cover for all treatments, including pregnancy and birth You won't be required to pay an excess for any dependent children on your family hospital cover. When you take out HCF hospital cover you’ll be asked to choose an excess. Our products and prices differ from state to state. from On child only policies, any applicable excess may still apply to the policy owner. Excess Mid Family Hospital members have the choice of a $250 or $500 excess to reduce the premium. Content, products and pricing information is different if you live in Western Australia. HBF, which stands for Hospital Benefit Fund, is based in Western Australia and has been providing health cover to Australians since 1941. The waiting period for pre-existing ailments is 12 months. Need to know a bit more about what Silver insurance is first? Your hospital insurance cannot cover ‘outpatient’ services—these are treatments you receive when you haven’t been formally admitted to hospital, for example, tests and examinations (like x-rays and blood tests). HBF travel insurance policies are backed and written by CGU insurance. It's one of the lowest-priced Bronze Plus options and includes treatments such as joint reconstructions for young, active people. Please enable cookies by following this link. You can choose from set excess amounts. Members who have held hospital cover for at least 2 months and upgrade to HCF Hospital Gold to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. Medibank's Health insurance for couples offers peace of mind; choose from covering the essentials through to planning a family. From 13th February 2017 members on GMF products will be known as HBF members as GMF will no longer exist as a separate private health fund. It’s only payable if you, or someone on your policy, go to hospital. Bronze Hospital Plus $500/$1000 Excess Author: HBF Health Limited Subject: Private Health Information Statement Created Date: 3/1/2021 12:00:00 AM Think its unlikely that you’ll end up in hospital, Can afford to cover the excess in the event of a claim, Have had multiple hospital claims in the past, Can’t afford to cover the excess in the event of a claim i.e. You can also earn up to 50,000 Frequent Flyer Points when you join. for surgery. You don’t have to pay hospital excess if you go to an extras service provider, like a dentist or physio. GMHBA Silver Plus Premium Hospital, cost per month $208. Depending on your level of cover, you may also have exclusions and/or restrictions. The specific hospital procedures and services you’re covered for (e.g. HBF are a Member’s Own health fund which has been operating in Australia for 70 years and is now one of Australia’s top five health funds. At Members First Day Hospitals, you have the added benefit of no medical gaps in addition to being covered for hospital costs, provided the treatment is recognised by Medicare and … Top hospital cover for all treatments, including pregnancy and birth. Hospital cover designed for the healthy and budget conscious. Still unsure? In most cases, Medicare will help cover these services. Compare Extras Cover . The excess applies for day and overnight admissions. Be careful with HBF who claims to care about their customers, my policy was changed from having an excess of $200 to $750. display:none; This site requires JavaScript. If you choose a higher excess, you will have a greater reduction on your premium. Our products and prices differ from state to state. Refine price. The good news is that with HBF, you only pay hospital excess once per person, per calendar year (to a maximum of twice on a family policy) when you’re admitted to hospital. You can also call us on 133 423, visit your nearest branch or visit hbf.com.au HBF Participating Hospitals If you choose Hospital cover with an excess applied, you'll only have to pay it upon admission to hospital, and only once per calendar year (even if you have multiple admissions in the same year). 12 months. You also have the choice of 5 Extras options, varying from the affordable basic to the comprehensive option that includes a broad list of benefits with higher limits. Contact us and we’ll help choose Across all HBF products and services, benefits are payable up to applicable annual limits and only for services and programs approved by HBF and delivered by providers that are approved by HBF. Gold health cover ranges in price from $196 to $622 a month for a family policy with excess. Fund Product Template for Hospitals. 4 signs you should update your health cover, A higher excess means you’ll pay less for your cover (the higher your excess, the lower your premium). Qantas Health Insurance offers Basic, Basic Plus, Mid, Advanced and Top cover. If selected, the excess applies to each person on the policy, per calendar year and only if you’re admitted to hospital. If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location. the best excess for you. Gold Hospital product sheet. You won't be required to pay an excess for any dependent children on your family hospital cover. Please enable cookies by following this link. Mid Family Hospital Brain and nervous system. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. For more detail, view the The excess is paid once per member per calendar year (to a maximum of twice per couple or family policy) no matter how many times you may be hospitalised. We need to confirm your location to show you the correct content, products and pricing. Hospital waiting periods A waiting period refers to the period of time you have to wait (after purchasing or upgrading Hospital Cover) before you’re entitled to received An excess does not apply to Extras cover. An excess is a contribution towards each hospital stay that you can choose to pay to reduce your premiums. HCF Hospital Silver Plus, cost per month $202 HBF Silver Hospital Plus, cost per month $206. Don’t worry, we’re here to help. If you’re switching to HBF from another health insurer, you won’t need to re-serve waiting periods already served with your previous insurer. Generally, as your level of hospital cover goes up, so does the number of included services. Looking after Australians for nearly 80 years, We're a not-for-profit organisation, so we focus on giving more back to members, 4 signs you should update your health cover, Plastic and reconstructive surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps). Some hospital insurance policies have a set excess amount, while others give you the option to choose the excess. How to manage out-of-pockets: Some HBF products have a lower excess option to reduce the amount you pay upfront when you go to hospital, but keep in mind a lower excess generally means a higher premium. © 2021 Copyright HBF Health Limited - (ABN) 11 126 884 786 and its subsidiaries. hospital and medical charges not covered by Medicare. you have no savings you can dip into if necessary. The good news is that with HBF, you only pay hospital excess once per person, per calendar year (to a maximum of twice on a family policy) when you’re admitted to hospital. You can increase or decrease your Hospital excess by changing your cover in your nib account (for OVHC members, you’ll need to call us). What's an excess? color: #00acb8; 2 HBF will cover the cost for urgent ambulance transport by road only for circumstances classified as emergency or urgent. Palliative care. If you have the time it’s well worth you reading through. HBF is a not-for-profit fund, owned by more than a million members. The table below shows how many hospital agreements HBF has in your state compared to the fund with the highest number (the industry maximum). Review your options to find the best health insurance in Australia. Discover how hospital excess works and how it can help make health insurance cheaper. Get 6 weeks free after 6 months with us!Join by 31 March 2021 on eligible Hospital and Extras cover and get 6 weeks free after 6 months with us. It helps cover the cost of doctors’ and anaesthetists’ fees, as well as other hospital costs like accommodation, prostheses and theatre fees. Content, products and pricing information is different if you live in Western Australia. The fund offers a range of policies, from budget cover through to comprehensive plans. See our top picks, or compare online. chemotherapy, a colonoscopy, tonsil removal, knee reconstructions etc.) The excess applies for day and overnight admissions. On the following pages we go into a lot more detail about our Hospital policies. Learn more, Get treated3 in a private hospital, and avoid public hospital waiting lists. The excess applies for day and overnight admissions. Brain and nervous system Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For most family covers, you'll only pay twice the chosen level of excess per calendar year. May not apply to some closed Hospital covers. The excess applies to each person on the policy, per calendar year and only if you’re admitted to hospital. From 13th February 2017 HBF participates in Access Gap Cover for all states excluding WA. Hospital psychiatric services. It's your policy in your pocket! Health insurers introduced a $750 excess in 2019, and some people might have seen their $500 excess increased to $750, payable if you have to go to hospital. There’s no excess for any dependants on your policy. Hospital is now a closed product, the excess amount cannot be changed. Waiting periods for hospital insurance generally fall into two buckets: 12 months for pre-existing conditions, pregnancy and birth and 2 months for most other procedures and services. How to manage out-of-pockets: Some HBF products have a lower excess option to reduce the amount you pay upfront when you go to hospital, but keep in mind a lower excess generally means a higher premium. Other funds may charge an excess (an excess is the amount you agree to pay towards the cost of hospital treatment). Out of pockets may apply. Tell us a little about yourself and in 2 - 3 minutes we’ll find our best cover to suit your needs. I’ve been a member for over 15 years, … .cta-color{ Your choice of excess will affect your premium. An excess applies to both day and overnight surgeries, so even if you go in for a simple procedure (like a colonoscopy) you will still have to pay it. If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location. Just be aware of out-of-pocket costs, which can include excess or co-payments, as well any outpatient services. 2 months: Palliative care: 2 months Our insurance experts review Silver hospital insurance policies from 36 health funds to find the best ones: compare health insurance now. Comprehensive hospital cover for most treatments, excluding pregnancy and birth. For Overseas Visitors, you can select a $500 excess or a $0 excess. Please enable JavaScript by following this link. It's your policy in your pocket! With HIF Hospital cover you’ll be able to choose your own excess (including our Gold Star Hospital policy which has no excess at all!). For example if you have an excess of $500, when you’re admitted to hospital you’ll have to pay the first $500 of the hospital costs on top of anything else not covered by your policy. Top hospital cover including Pregnancy and birth, combined with complete extras cover that gives 60% or more back across all services, including Orthodontics. Tonsils, adenoids and grommets. Restricted services receive the minimum default benefit, which generally means a large out-of-pocket. Compare your options and choose the level of cover that suits your needs, budget and lifestyle. He just wanted to get me in as quick as possible. The product you’ve selected isn’t available for purchase in your state. They claim helping members is their number priority, it’s far from the truth. Eye (not cataracts) Ear, nose and throat. This exemption can only be accessed once in a member's lifetime. This site requires the use of cookies. } } If you’re moving from a level of cover with an excess to a level of cover without an excess, you’ll still need to pay the excess if you’re admitted to hospital … We need to confirm your location to show you the correct content, products and pricing. GMHBA Silver Plus Classic Hospital, cost per month $212. This is the amount you agree to pay if you’re admitted to hospital … For example, a hospital insurance policy might let you choose to pay no excess, $250 excess, $500 excess or $750 excess. This site requires the use of cookies. If a service is excluded, it’s not covered at all. 1 At a Member Plus hospital. Send a claim, keep on top of your extra's limits, view all your important documents and update your details on the go. Subject to availability. As well as travel insurance, they offer health, home, car and life insurance. Includes private hospital, dental, promos & more. weekly, .inc-alert__cta{ Hospital price includes an excess of $750, excludes any Youth Discount and excludes Lifetime Health Cover loading. How to manage out-of-pockets: Some HBF products have a lower excess option to reduce the amount you pay upfront when you go to hospital, but keep in mind a lower excess generally means a higher premium. You won't be required to pay an excess for any dependent children on your family hospital cover.
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