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HBF Health Insurance

HBF Health Insurance

1.6 from 224 reviews · View Statistics

Reviews

  • Value for Money
    4.0 (1)
  • Transparency
    3.0 (1)
  • Customer Service
    4.0 (1)
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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
1 comment
HBF
HBF T.HBF
Kokanee
KokaneePerth, WA
  • 10 reviews
  • 7 likes

Free Fitness Sessions for members is fantastic

published
Insurance claim madeYes

Phoned first time today

published

I have had HBF cover since 2012 & phoned today for the first time in quite awhile. Am a bit surprised by the number of recent negative reviews as I wasn't on hold for very long (approx 7 minutes) and the customer service was helpful. So far, so good! Just wanted to offer an alternative review to those that I've read recently!

Insurance claim madeNo
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Matt
MattHunter Region, NSW

Good obstetrics cover, rubbish extras

published

Took out insurance with HBF because birth related services were included in their mid-hospital cover. Apart from the excess, they basically covered everything while my wife was in hospital. However, same can't be said for extras cover. We recently cancelled ours because it effectively covers nothing.

Insurance claim madeYes
David
DavidSydney, NSW
  • 4 reviews
  • 1 like

So far so good

published
Insurance claim madeNo
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HBF facts and being admitted to a Govt. hospital as a Private Patient.

published
Insurance claim madeYes
Danielle
DaniellePerth, WA
  • 3 reviews
  • 3 likes
  • Verified

So far so good!

published

I joined with HBF in the 2015 new financial year and my experience with them has only been positive. The sign up process was straight forward, phone calls have always promptly addressed my queries, staff have always phoned me back in a timely manner, and my claims have always been processed with no care!

I've claimed for orthodontic and osteo appointments of which I've had no issues with my claims. Even their online chat staff are friendly, helpful and prompt with their response.

I can't expect much more from my health fund provider, so thank you HBF. I have confidence that I made the right decision when selecting my health fund provider!

Insurance claim madeYes
1 comment
HBF
HBF T.HBF
lisss
lisss
  • 58 reviews
  • 12 likes

Very good within WA, not recommended interstate

published
1 comment
HBF
HBF T.HBF
supernelly
supernelly
  • 8 reviews
  • 2 likes

Good

published

They are fast to process claims, provide great coverage on hospital stays but let themselves down when it comes to most extras. I've been with them my entire adult life and are happy to stay with them. The fees increase about 5% a year which is in line with other funds.
Being in WA every health agency you deal with knows about HBF. They are now part of HICAPS which means you only pay the out-of-pocket portion of your bill instead of the old system of paying the full amount then going to a HBF office and claiming the refund.
Unless your dentist is linked in with HBF as an approved provider then the refund is very little (eg got $300 back of $2300 expenses). My major regional city has NO approved dental providers.

1 comment
HBF
HBF T.HBF
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shikra
shikraAU
  • 3 reviews
  • 3 likes

Good

published

I'm generally really happy with HBF. It's so easy to swipe and just pay the gap at lots of places including the dentist and optometrist. They covered the majority of my son's orthoodontic work which included a fixed plate and now braces. Also I recently had cataract day surgery which was all fully covered, it was fantastic to not have to pay a cent for it.
Good customer service, now a branch at my local shopping centre
Can sometimes be long wait on the phone

1 comment
HBF
HBF T.HBF
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Questions & Answers

shirvan
shirvanasked

Can I claim through HBF Australia wide

1 answer
HBF
HBF T.HBF

Hi Shirvan, Thank you for reaching out!

Members can access range of providers throughout Australia however, to confirm that benefits will be payable for your treatment or service you are wanting to claim for, it is best to contact us directly to confirm your coverage and, if you will have any out of pocket expenses.

If you have any questions about how our agreements work, or the benefits you can get back please do not hesitate to get in touch with us. – Chloe

diamus
diamusasked

I am on HBF Silver cover. I know Gastric Sleeve surgery is not covered but does HBF pay anything toward the hospital stay, anethsaetic costs etc

1 answer
HBF
HBF T.HBF

Hi Diamus, thank you for your question.

Without being able to access your policy, I am only able to provide general information. If something is an exclusion on your policy, unfortunately, we will not be able to pay benefits towards any part of the treatment.

If you would like to look more into your policy inclusion, please feel free to call us on 133 423, or chat with us at hbf.com.au - Cinta

Davidg
Davidgasked

Why is the gap saver no longer available?

1 answer
HBF
HBF T.HBF

Hi Davidg, thank you for getting in touch!

We proactively review our health cover offering, which can lead to us making changes to our suite including closing certain products for sale. In 2019 we reviewed our suite and decided to close Gap Saver to new sales. This cover option is still available to those who held it at the time it was closed.

If you have any further questions, please do not hesitate to give us a call on 133 423. -Bella

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Details

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