Innovative features
We're the fund that consistently offers innovative health insurance benefits
There are many great reasons to join HBA, one of Australia's largest and most progressive private health care funds. Joining HBA means you get access to health insurance benefits such as:
Ezyclaim
With our Ezyclaim system, your specialist agrees their service fee with HBA and then bills us direct. In most cases, there's no gap and no bill. And if there is a gap, you will know exactly how much you will have to pay prior to your private health care treatment.
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More about Ezyclaim |
More for your membership
We'll recognise you for your loyalty with us. Depending on which cover you choose, you can be rewarded with a Benefit Bonus or Loyalty Maximums (not available on our General Dental product).
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More about our Benefit Bonus |
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More about our Loyalty Maximum |
Natural alternatives
Many of our extras covers provide health insurance benefits for alternative health services like Acupuncture, Homeopathy and Massage.
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More about cover for natural alternatives |
Family savings
Family Plus enables you to cover non-student single children up to the age of 25 and give them access to private health care, whether they live away from home or are working.
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More about Family Plus |
Top-up Bonus
To help you save even more on extras services, we give you a yearly Top-up Bonus which you can put towards any out-of-pocket expenses that apply.
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More about the Top-Up Bonus |
On-the-spot claiming
Get your money back straight away by claiming your health insurance benefits on-the-spot, or claim online – it doesn't get any easier or quicker!
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More about on-the-spot claiming |
Visible value on optical
Make your extras go further with great deals and discounts on eyewear at Members First optical outlets.
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More about discounts on optical |
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Find an optical outlet |
A-Z of health
HBA has put together a useful range of health tips and articles to help members understand the what, how and why of many health issues.
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More about the A-Z of health |
Useful guides
Going to hospital guide
This guide provides essential information about what is covered by HBA’s private hospital insurance and how you could get the most value from our hospital cover.
| Click here for your going to hospital guide |
Guide to optical cover
This guide is designed to help our members get the best value from their optical cover with HBA. Inside is useful information about buying glasses, plus valuable tips that help them choose glasses or contact lenses to suit their needs and what they’re covered for.
| Click here for your optical guide |
Sleep Tight Guide
This is a simple, practical guide for parents to help understand and manage sleep for children from birth to two years.
| Click here for your Sleep Tight guide |
Promoting healthy children for life
"Promoting healthy children for life" is a joint initiative between HBA and the Centre for Community Child Health (CCCH), which demonstrates our commitment to promoting child health and supporting the health professionals who work closely with families and young children in the community.
As part of this partnership, HBA's members can access a quarterly newsletter sent to maternal child health nurses, known as the 'Community Paediatric Review'. A valuable information resource that keeps abreast of new knowledge and best practise techniques in raising children in the areas of health, development and wellbeing. In addition, a Parent Information Sheet will also be available with practical tips and advice on helping your child to learn and develop.
Here is an example of a ‘Community Paediatric Review’:
| Building early detection systems for child development problems - December 2007 |
Here is an example of a ‘Parent Information Sheet’:
| Sharing concerns with your health professional - December 2007 |
Members First optical network
There are many optical outlets throughout your state that are in the Members First network.
How do I get the biggest rebate?
If you go to a Members First optical outlet, you will receive bigger health insurance benefits than you would at a non-Members First optical provider – you pay less because we pay more on your behalf. Members who are eligible for optical benefits can get discounts on eyewear at all HBA Members First optical outlets.
What's more, you can claim your private health insurance benefits on-the-spot after your treatment, meaning that you’ll receive your rebate immediately and will only need to pay the difference between the provider's fee and your rebate.
At Members First optical outlets you get the following private health care benefits:
- Discounts on prescription glasses, frames and lenses
- Higher rebates Higher annual maximums
- Claim on-the-spot after your treatment.
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Find a Members First optical provider |
Members First and Participating Private hospitals' network
At every Participating Private hospital, and in-line with your cover, HBA fully covers your accommodation, theatre fees and intensive care fees, less the excess or co-payment that applies to your cover.
At Members First hospitals, you can expect:
- 100% cover for hospital services, including accommodation, theatre fees and intensive care fees less the co-payment or excess that applies to your cover
- Certainty of a single room or money back*
- Free daily newspapers, local phone calls and TV in your room
* 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.
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Find a hospital |
Members First dental network
Receive higher health insurance benefits from the many dentists that are part of our Members First dental network.
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Find a Members First dentist |
No gap dental for kids
From 1 October 2006, members of HBA on eligible levels of Single Parent, Family or Family Plus hospital and extras cover can enjoy 'No gap dental' for child dependents up to 25yrs at Members First dentists where health insurance benefits are payable.
This means no out-of-pocket expenses for most general and major dental procedures for your kids, which can amount to large savings.
This offer excludes orthodontics and dental treatment in hospital. Waiting periods and normal fund dental rules apply.
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Find out more about 'No gap dental for kids' |
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Find a Members First dentist |
Check out our great range of covers
You’re sure to find one to suit your budget and lifestyle.
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Show me all HBA covers |
