Each month we analyse over 10,000 hospital and extras insurance products and rate each one on price and features. What we end up with is a nice round number out of 10 that helps you compare products a bit faster.
Before we start scoring, we need to make sure we're comparing like-for-like. Just as it doesn't make sense to compare a toy car with a Porche, it doesn't make sense to compare basic policies to top-tier gold policies. Each policy is given a price score and feature score. These are then combined to determine each policies's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.
What do Australians think of HBF health insurance?
4.18/5 overall for Customer Satisfaction - higher than the average of 4.13
4.57/5 for Trust - higher than the average of 4.46
4.2/5 for Customer Service - higher than the average of 4.17
HBF App: Download from the App Store or Google Play to claim via the app
myHBF: Claim online through HBF"s digital portal, myHBF
On the spot: Swipe your member card or tap your digital member card when paying
At a branch: Visit your nearest HBF branch
Mail: Return a claim form by mail to HBF, GPO Box 1440, Perth WA 6845
Complaints info
HBF has a promising complaints history. The 2023 State of the Health Funds Report noted that HBF has 7.7% of market share but accounted for only 3.7% of complaints received. This means it received fewer complaints than average.
Congratulations, HBF!
HBF received the following awards in the 2024 Product Awards:
HBF offers a range of hospital and extras policies that cover various medical treatments, procedures, and expenses. The specific will depend on which policy you take out.
No. HBF and HCF are separate entities.
HBF stands for the Hospital Benefit Fund. It was initially founded in 1941 as the Metropolitan Health Fund but has since evolved to become HBF.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 245 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
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Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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