HBA Health Insurance
Health cover like no other
Your health is your most important asset, so now is the time to protect it.
As one of Australia's largest and most innovative health funds, HBA offers a wide range of affordable cover options that give you more of the features and benefits you want.
Why should I take out private health cover?
Health cover can be an expensive exercise, though those that do have it, have the peace of mind that comes with knowing they can be covered for medical treatments in hospital as well as for those services not covered by Medicare.
Here are some of the advantages of private hospital cover:
- Helps you take control of your own health
- Gives you more flexibility and choice over your treatment
- Provides you with more choices as to when you can be admitted for elective procedures in a private hospital
- Lets you have a say in choosing your own doctor or specialist
- Provides more affordable access to private hospitals
- Helps you avoid the additional 1% Medicare Levy Surcharge if you are a higher income earner
- You will receive at least 30% on your hospital and extras premiums with the Federal Government Rebate on private health insurance
- Helps you avoid the Lifetime Health Cover loading
- Endeavours to take the strain off the public hospital system
Why should I choose HBA?
HBA health insurance has a wide range of innovative services and features to assist our customers. The following features are available on selected covers:
- Get more back from our Members First network of providers
- Excess Bonus – receive one or two excess-free overnight or same day admissions to hospital each calendar year.
- Top-up Bonus – on selected covers. A yearly Top-up Bonus you can put towards any out-of-pocket expenses
- Ezyclaim - reduce or eliminate any known medical gaps for treatment in a private hospital when your doctor uses Ezyclaim
- On-the-spot claiming – get your money back straight away, or claim online
- iPhone App – find your nearest provider, branch or hospital from your phone
- More from your membership – receive recognition for your loyalty with us, and depending on which cover you chose you can be rewarded with a Benefit Bonus or Loyalty Maximums
- Natural alternatives – many extras covers include benefits for alternative services such as Acupuncture, Homeopathy and Massage
- Family savings – cover non-student single children up to the age of 25
- Excellent value on optical – great discounts on eyewear at Members First optical outlets
- in2life partners - receive discounts and special deals from our specially selected partners
- Useful guides and articles – such as the A-Z of health, Going to hospital guide, Optical cover guide, and Sleep Tight guide
- Promoting healthy children for life – a joint initiative between HBA and the Centre for Community Child Health
- Parent and baby wellbeing – an initiative designed to provide support for parents with new babies
Choosing your cover
Your cover selection should depend on your lifestyle and needs. You can choose just hospital cover or extras cover on its own, or a combination of both.
Hospital cover
What is hospital cover?
Hospital cover is an affordable way to access private health care, which gives you the power to choose your own hospital, use your preferred doctor or specialist, and nominate when you are treated.
What am I covered for?
HBA hospital insurance covers you for hospital treatment and in patient medical expenses, if you are admitted to any hospital within our network of Members First or Participating hospitals, or public hospitals in Australia.
If you elect to be treated at a Members First hospital, you will have the certainty of a single room or money back*!
For information on treatment at a non-participating hospital, please contact us.
Extras cover
What are extras?
Extras cover helps you with the cost of services not always covered by Medicare,
such as dental, optical, physiotherapy, chiropractic and natural therapies. Plus at our Members First
network of providers we have negotiated special agreements for HBA customers that give you higher benefits and better value.
Packaged cover
What is packaged cover?
Packaged cover is a type of cover that combines hospital and extras cover in
one convenient package. It covers you for the cost of hospital treatment
and medical services that you incur during admission to hospital, as well
as health services such as dental, chiropractic, physiotherapy, massage and psychology.
 | Help me choose the right cover |
| Health cover for singles |
| Health cover for couples |
| Health cover for families |
| Health cover for single parents |
Overseas visitors cover
The health care system in Australia is regarded amongst the best, but the cost of treatment can be expensive. A hospital admission could result in a bill for thousands of dollars; and a visit to the dentist hundreds of dollars! And as an international visitor, you may not be eligible for cover with Medicare, Australia's public health care system.
| Overseas visitor cover |
Which level of private health insurance cover is suitable for my needs?
The level of private health cover you should take out will depend on your individual needs and means. We offer the following three levels of cover, with various different product options in each category:
Top cover – For comprehensive hospital and extras cover with maximum benefits and high protection. These cover options can be suited to people of all ages who want the highest level of private health cover.
Medium cover – Covers you for the services you think you are most likely to use or need. These cover options can be suited to young couples and families.
Basic cover – If you don't want to pay for things you don't need at this stage in your life, choose a basic cover. Suitable for people wanting the security of private health cover for the essentials, and those wanting to avoid the Medicare Levy Surcharge, these options can be suited to young singles, or families on a budget looking to protect their children.
| Help me choose the right cover |
*To receive a single room for an overnight stay at any of our Members First hospitals, simply book at least 24 hours before your admission and ensure that you request a single room. If there’s no single room available, you’ll receive $50 a day from the hospital for every day you’re not in one. This applies to any overnight admission - excluding nursing home type patients, emergencies, or where a single room is medically inappropriate. Available on most of our hospital covers.
