??!
1 photo
HBF Health Insurance

HBF Health Insurance

1.7 from 201 reviews · View Statistics

Health Insurance Guide for 2020

The decision to take up private health insurance can be a very involved process, and the factors that go into your decision will be unique to you. Your first dip into the policy selection process can be pretty overwhelming, so this guide will help lay everything out for you as plainly as possible to get you on your way.

Read now

Reviews

  • Value for Money
    1.5 (31)
  • Transparency
    1.4 (21)
  • Customer Service
    1.7 (32)
  • Claim Resolution Time2-4 weeks (5), 1-2 weeks (3), <1 week (3), 3+ months (2) and 1-2 months (1)
  • Claim ApprovedYes (2) · No (8)
Previous
Next
Emily

EmilyGreater Melbourne (Metropolitan), VIC

Mislead

published

Like many of the reviews here I too felt mislead, I agreed to an upsale on a policy as it was implied I would get better value for money. Turns out this wasn't the case. Just glad I never had to claim anything from them as I can only imagine what type of nightmare that would be.

Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
See all answers
1 comment
HBF
HBF T.HBF
Reza

RezaSydney, NSW

  • 2 reviews

USELESS

published

Throw your money in a monthly basis and they put you down for the most obvious items that must be covered by a health insurance. The customer service agents have conflicting ideas and they are not on the same page about things when you call them.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim Resolution Time2-4 weeks
See all answers
2 comments
HBF
HBF T.HBF
Reza
Reza

I have already wasted a lot of time on the phone with your incompetent team members with no favourable support and now on the market to change my insurance provider. Enough of investigation for minimum support you could expect

Legal loophole of tricking people and stealing their money

published

I am a very healthy individual. Got myself a bronze plus cover, the list on their website includes "Dental". However, at the time of claiming I was advised that my cover doesn't include dental. The only logical explanation to this is that they exist only to rip people (in need of help) off!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30Yes
Claim Resolution Time1-2 weeks
Claim ApprovedNo
See all answers
1 comment
HBF
HBF T.HBF
Health Insurance

Find out how HBF Health Insurance compares to other Health Insurance

Know better, choose better.

Compare all
Stef

Stef

  • 2 reviews

Not pleased with the inpatient and outpatient

published

I Pay 66 fortnight and they only cover inpatient.

Went for broken foot and later for blood test to GP and noting was cover because it outpatient. I don't care how they to their policy but I need to be able to go to a local GP for that price.

Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim Resolution Time<1 week
Claim DateMarch 2020
See all answers
1 comment
HBF
HBF T.HBF
rene

reneperth

  • 3 reviews
  • 14 likes
  • Verified customer

Hard to claim when you need to.

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
Claim Resolution Time2-4 weeks
Claim DateAugust 2020
See all answers
2 comments
HBF
HBF T.HBF
rene
rene
Deb

Deb

  • 2 reviews
  • 6 likes

IVF Pregnancy & Dialysis Grouped Together?

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
See all answers
4 comments
HBF
HBF T.HBF
Deb
Deb
HBF
HBF T.HBF
Max

Max

  • 2 reviews
  • 4 likes

Still waiting for call from management.....

published
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim Resolution Time1-2 months
Claim ApprovedNo
See all answers
4 comments
HBF
HBF T.HBF
Max
Max
Max
Max

At least switching insurers is easy...I have now left HBF..amateur hour..you just dont need the stress of chasing up claims and dealing with an organisation that you have no faith in.

Alon

AlonMelbourne

  • 2 reviews
  • 1 like

Dont Use HBF Health Insurance

published

Customer service is rude, they will delay every chance to rectify a problem. HBF Health staff are friendly during sign up, become difficult and rude when claiming or maintenance on account.
Don't use HBF health insurance

Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30Yes
Claim Resolution Time3+ months
See all answers
Emm

Emm

  • 4 reviews
  • 6 likes

Useless

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
See all answers
1 comment
HBF
HBF T.HBF
Health Insurance

Find out how HBF Health Insurance compares to other Health Insurance

Know better, choose better.

Compare all
Emma

EmmaGreater Melbourne (Inner), VIC

Lovely service

published

Shopped around for best quote and HBF was the easiest to follow - simple pricing and explanations. I got a call back within 2 days and talked through what I needed from the policy and was helped to choose the best option (and not the most expensive). Friendly help that got me set up quickly and easily.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
See all answers
1 comment
HBF
HBF T.HBF
Adam S.

Adam S.Sydney, NSW

  • 3 reviews
  • 5 likes

Great Price - Friendly Service

published

Switched from NIB to HBF and saved a stack for the same level of cover. Staff over the phone have been super helpful and friendly. Love their Quokka ads as well, super cute.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
See all answers
Ike

IkePerth, WA

  • 5 reviews
  • 5 likes
  • Verified customer

DODGY SERVICE

published

We are very disappointed with HBF.

We got a quote and received a confirmation email for $2,158.25, but we got charged for $2,329.90. Then they got back to us saying that is the correct price we quoted. Did our eyes deceive ourselves when we saw $2,158.25 on their website??? Or did we receive the confirmation email from another company??? How can they lie in front of black and white evidence. We are so not happy with their dodgy service!!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
See all answers

HBF doesn’t know the meaning of REFUND!!

published

Hard to get a refund from this stinking health fund. Here is yet another attempt. Dear HBF
I have been chasing a refund from you since 1st March. Your staff keep promising a refund however nothing to date.
My last call to your office said I would have my money no later than 17th March, guess what it’s now later than that.

Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
See all answers
2 comments
HBF
HBF T.HBF
Thelma P.
Thelma P.

Overpriced and ripping me off.

published

I have been with HBF for 7 years but I don't feel the value in my policy. Every 6 months my premium goes up and my policy now costs about 50% more than it did when I signed up. I just got an online quote for the Equivalent policy and it would be hundreds of dollars cheaper if I cancelled and signed up again. And that is even with the significant discount I am supposed to be receiving through my employer.

I am trying to cancel but they don't make that easy. I would need to take time off work to be able to contact them during their work hours.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
See all answers
1 comment
HBF
HBF T.HBF
Sparky

SparkyPerth, WA

HBF don't pay for "reasonable" claims

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30Yes
Claim ApprovedNo
See all answers
Health Insurance

Find out how HBF Health Insurance compares to other Health Insurance

Know better, choose better.

Compare all
Jeremy Parsons

Jeremy Parsons

  • 3 reviews
  • 2 likes
  • Verified customer

Incompetent, Poor customer service.

published

Very slow to respond to requests, I have been waiting almost two weeks for an explanation on why they shorted my policy cover by half a month, Still no explanation. Escalated concern to a 24 hour response team. Surprisingly no response after 48 hours. When asking for an explanation on a calculation no one is competent enough to take ownership of the problem. try a different insurer if you can.
Claiming works fine unless you have a problem then their service is extremely poor.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital Only
Coverage TypeFamily
Under 30Yes
Claim Resolution Time1-2 weeks
Claim DateFebruary 2020
Claim ApprovedNo
See all answers
1 comment
HBF
HBF T.HBF

They avoid paying benefits with irrational rules.

published

Purchased $750 Orthotics at podiatrist.
The podiatrist invoice included the orthotics and consultation...fair enough.
HBF refused to pay the $400 benefit for the orthotics via hicaps because of the consultation charge.
HBF claim their system cannot process the consultation and orthotics together. I refuse to believe a multi-billion dollar company cannot implement software solutions to recognise the orthotics code.
I had to do the claim manually and waste time waiting on hold and submitting it myself online.
Pretty sure people would give up because the system is painful to use and not get their benefits.
May not be a deliberate scam, but they are denying people their benefits with stupid systems.

Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim Resolution Time2-4 weeks
Claim DateFebruary 2020
Claim ApprovedNo
See all answers
2 comments
HBF
HBF T.HBF
Anthony G.
Anthony G.
Sue K.

Sue K.Perth, WA

Waste of Time Hbf Outpost

published

Went to a hbf booth conveniently located at a shopping centre near me.
Was told by the customer service officer that “ they don’t process claims here”.
Consequently there was no one at the booth except for three staff who were chatting and laughing. What a waste of policy holders money. No wonder premiums are so high!

Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
See all answers
1 comment
HBF
HBF T.HBF
Mark

MarkSouth East Queensland, QLD

  • 2 reviews
  • 11 likes
  • Verified customer

Don't get sold into the non for profit idea

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim Resolution Time2-4 weeks
Claim DateNovember 2019
See all answers

Heartless Hospital fund......... .HBF

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeFamily
See all answers
2 comments
HBF
HBF T.HBF
Grant Lilleyman
Grant Lilleyman
Page 1 of 11

Questions & Answers

Bev M

Bev Masked

Does HBF cover Residential Aged Care Services?

1 answer
HBF
HBF T.HBF

Hi Bev, thank you for getting in touch with us.

We do not currently offer residential aged care services. If you would like know what services we offer please send us a private message at the link below or call us on 133 423 and we will be more than happy to help. - Chloe

m.me/hbfhealth

Ann B.

Ann B.asked

Is there an annual amount, or a “one of” amount for dental bridgework with top HBF cover? What is the amount of cover?

1 answer
HBF
HBF T.HBF

Hi Ann, good question! Dental benefits vary depending on the level of cover you have in place.

We would love to help you clarify your dental benefits on your HBF cover, please give us a call on 133 423 or chat with us at hbf.com.au

We look forward to helping you soon - Shauna

Jean L.

Jean L.asked

Does Bronze level insurance cover emergency ambulance charges?

1 answer
HBF
HBF T.HBF

Hi Jean,
Thank you for getting in touch.

All HBF hospital products currently available include benefits towards urgent or emergency ambulance transport by road.

If you would like more information on what our policies include, please give us a call on 133 423 and we would be happy to help.

Get an answer from our members and HBF representatives

Details

CategoryHealth Insurance
Other Insurance Types Offered Car, Home and Contents, Life and Travel

Visit official website

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.