HBF Hospital + Extras

HBF Hospital + Extras is a health insurance plan from HBF Health, available to residents of Australia. Sum insured ranges from varies, eligible ages 18 to 99, and the policy is annual. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at A$115, against a category median of A$105 across the 9 comparable health plans we track in this country. That places HBF Hospital + Extras in the upper-mid range on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 5 core inclusions, 4 highlighted features, and 2 optional riders. Notable features called out by HBF Health include WA-based not-for-profit, Strong WA hospital network, and HBF Community programs. On the rider side, HBF Hospital + Extras can be extended with Comprehensive extras and International student cover — each adding to the base premium but also widening what the policy will pay out for.

Where HBF Hospital + Extras explicitly will not pay: Pre-existing (12 months) and Cosmetic surgery. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.