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HBF health insurance

28 policies. A year for a single in Western Australia, after the full rebate · hospital cover ranked among policies at the same level with a $750 excess.

Hospital cover · 18

  • Gold Hospital Elevate

    Gold · 38 of 38 categories · $750 a stay

    $3,40813th of 16

    a year after the rebate

    Hospital tier
    Gold
    Covers
    38 of 38 categories
    Excess
    $750 a stay
    Before the rebate
    $4,491 a year ($374.26 a month)
    After the rebate
    $3,408 a year ($284.00 a month)
    Go to site
  • Gold Hospital Elevate / & Ambulance Care

    Gold · 38 of 38 categories · $750 a stay

    $3,42814th of 16

    a year after the rebate

    Hospital tier
    Gold
    Covers
    38 of 38 categories
    Excess
    $750 a stay
    Before the rebate
    $4,517 a year ($376.43 a month)
    After the rebate
    $3,428 a year ($285.64 a month)
    Go to site
  • Essential Silver Hospital

    Silver Plus · 29 of 38 categories plus accidents · $750 a stay

    $1,2423rd of 78

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    29 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,637 a year ($136.44 a month)
    After the rebate
    $1,242 a year ($103.53 a month)
    Go to site
  • Essential Silver Hospital / & Ambulance Care

    Silver Plus · 29 of 38 categories plus accidents · $750 a stay

    $1,2627th of 78

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    29 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,663 a year ($138.61 a month)
    After the rebate
    $1,262 a year ($105.18 a month)
    Go to site
  • Silver Hospital

    Silver Plus · 30 of 38 categories · $750 a stay

    $1,35418th of 78

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    30 of 38 categories
    Excess
    $750 a stay
    Before the rebate
    $1,784 a year ($148.69 a month)
    After the rebate
    $1,354 a year ($112.83 a month)
    Go to site
  • Silver Hospital / & Ambulance Care

    Silver Plus · 30 of 38 categories · $750 a stay

    $1,37426th of 78

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    30 of 38 categories
    Excess
    $750 a stay
    Before the rebate
    $1,810 a year ($150.86 a month)
    After the rebate
    $1,374 a year ($114.48 a month)
    Go to site
  • Silver Hospital Plus

    Silver Plus · 33 of 38 categories · $750 a stay

    $1,90648th of 78

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    33 of 38 categories
    Excess
    $750 a stay
    Before the rebate
    $2,512 a year ($209.31 a month)
    After the rebate
    $1,906 a year ($158.83 a month)
    Go to site
  • Silver Hospital Plus / & Ambulance Care

    Silver Plus · 33 of 38 categories · $750 a stay

    $1,92650th of 78

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    33 of 38 categories
    Excess
    $750 a stay
    Before the rebate
    $2,538 a year ($211.48 a month)
    After the rebate
    $1,926 a year ($160.48 a month)
    Go to site
  • Lite Bronze Hospital Plus

    Bronze Plus · 22 of 38 categories plus accidents · $750 a stay

    $9037th of 50

    a year after the rebate

    Hospital tier
    Bronze Plus
    Covers
    22 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,190 a year ($99.20 a month)
    After the rebate
    $903 a year ($75.27 a month)
    Go to site
  • Lite Bronze Hospital Plus / & Ambulance Care

    Bronze Plus · 22 of 38 categories plus accidents · $750 a stay

    $92311th of 50

    a year after the rebate

    Hospital tier
    Bronze Plus
    Covers
    22 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,216 a year ($101.37 a month)
    After the rebate
    $923 a year ($76.92 a month)
    Go to site
  • Bronze Hospital Plus

    Bronze Plus · 26 of 38 categories · $750 a stay

    $1,07939th of 50

    a year after the rebate

    Hospital tier
    Bronze Plus
    Covers
    26 of 38 categories
    Excess
    $750 a stay
    Before the rebate
    $1,422 a year ($118.49 a month)
    After the rebate
    $1,079 a year ($89.91 a month)
    Go to site
  • Bronze Hospital Plus / & Ambulance Care

    Bronze Plus · 26 of 38 categories · $750 a stay

    $1,09940th of 50

    a year after the rebate

    Hospital tier
    Bronze Plus
    Covers
    26 of 38 categories
    Excess
    $750 a stay
    Before the rebate
    $1,448 a year ($120.66 a month)
    After the rebate
    $1,099 a year ($91.56 a month)
    Go to site
  • Basic Hospital Plus

    Basic Plus · 5 of 38 categories plus accidents · $750 a stay

    $83521st of 42

    a year after the rebate

    Hospital tier
    Basic Plus
    Covers
    5 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,101 a year ($91.73 a month)
    After the rebate
    $835 a year ($69.61 a month)
    Go to site
  • Basic Hospital Plus / & Ambulance Care

    Basic Plus · 5 of 38 categories plus accidents · $750 a stay

    $85526th of 42

    a year after the rebate

    Hospital tier
    Basic Plus
    Covers
    5 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,127 a year ($93.90 a month)
    After the rebate
    $855 a year ($71.25 a month)
    Go to site
  • Basic Hospital Plus Elevate

    Basic Plus · 15 of 38 categories plus accidents · $750 a stay

    $92834th of 42

    a year after the rebate

    Hospital tier
    Basic Plus
    Covers
    15 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,223 a year ($101.90 a month)
    After the rebate
    $928 a year ($77.32 a month)
    Go to site
  • Basic Hospital Plus Elevate / & Ambulance Care

    Basic Plus · 15 of 38 categories plus accidents · $750 a stay

    $94836th of 42

    a year after the rebate

    Hospital tier
    Basic Plus
    Covers
    15 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,249 a year ($104.07 a month)
    After the rebate
    $948 a year ($78.97 a month)
    Go to site
  • Basic Hospital Accident Only

    Basic · Accidents only · $750 a stay

    $7211st of 42

    a year after the rebate

    Hospital tier
    Basic
    Covers
    Accidents only
    Excess
    $750 a stay
    Before the rebate
    $950 a year ($79.13 a month)
    After the rebate
    $721 a year ($60.05 a month)
    Go to site
  • Basic Hospital Accident Only / & Ambulance Care

    Basic · Accidents only · $750 a stay

    $7404th of 42

    a year after the rebate

    Hospital tier
    Basic
    Covers
    Accidents only
    Excess
    $750 a stay
    Before the rebate
    $976 a year ($81.30 a month)
    After the rebate
    $740 a year ($61.69 a month)
    Go to site

Extras cover · 10

  • Essential Ambulance
    $51a year after the rebate
    Before the rebate
    $67 a year ($5.61 a month)
    After the rebate
    $51 a year ($4.26 a month)
    Go to site
  • Urgent Ambulance
    $93a year after the rebate
    Before the rebate
    $123 a year ($10.25 a month)
    After the rebate
    $93 a year ($7.78 a month)
    Go to site
  • Smart Start Extras

    Pays back $430 on a typical year · 9 services

    $193a year after the rebate
    Pays back
    $430 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    9 covered
    Before the rebate
    $254 a year ($21.20 a month)
    After the rebate
    $193 a year ($16.09 a month)
    Go to site
  • Basic Extras

    Pays back $540 on a typical year · 6 services

    $248a year after the rebate
    Pays back
    $540 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    6 covered
    Before the rebate
    $327 a year ($27.24 a month)
    After the rebate
    $248 a year ($20.67 a month)
    Go to site
  • Value 50

    Pays back $675 on a typical year · 14 services

    $341a year after the rebate
    Pays back
    $675 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    14 covered
    Before the rebate
    $450 a year ($37.46 a month)
    After the rebate
    $341 a year ($28.43 a month)
    Go to site
  • Flex 50

    Pays back $675 on a typical year · 16 services

    $438a year after the rebate
    Pays back
    $675 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    16 covered
    Before the rebate
    $578 a year ($48.15 a month)
    After the rebate
    $438 a year ($36.54 a month)
    Go to site
  • Core Extras

    Pays back $648 on a typical year · 22 services

    $486a year after the rebate
    Pays back
    $648 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    22 covered
    Before the rebate
    $640 a year ($53.36 a month)
    After the rebate
    $486 a year ($40.49 a month)
    Go to site
  • Flex 60

    Pays back $790 on a typical year · 16 services

    $611a year after the rebate
    Pays back
    $790 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    16 covered
    Before the rebate
    $805 a year ($67.09 a month)
    After the rebate
    $611 a year ($50.91 a month)
    Go to site
  • Complete 60

    Pays back $820 on a typical year · 24 services

    $760a year after the rebate
    Pays back
    $820 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    24 covered
    Before the rebate
    $1,001 a year ($83.43 a month)
    After the rebate
    $760 a year ($63.31 a month)
    Go to site
  • Top 70

    Pays back $940 on a typical year · 24 services

    $1,264a year after the rebate
    Pays back
    $940 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    24 covered
    Before the rebate
    $1,665 a year ($138.79 a month)
    After the rebate
    $1,264 a year ($105.32 a month)
    Go to site
Compare all 31 insurers

April 20268 changes

  1. 5Sun
    • Basic Extras$26.02 → $27.24 a month before the rebate
      +4.7%
    • Lite Bronze Hospital Plus / & Ambulance Care$100.11 → $101.37 a month before the rebate
      +1.3%
    • Core Extras$52.32 → $53.36 a month before the rebate
      +2.0%
    • Top 70$132.44 → $138.79 a month before the rebate
      +4.8%
    • Value 50$36.76 → $37.46 a month before the rebate
      +1.9%
    • Bronze Hospital Plus$116.75 → $118.49 a month before the rebate
      +1.5%
    • Basic Hospital Plus Elevate / & Ambulance Care$104.06 → $104.07 a month before the rebate
      +0.0%
    • Gold Hospital Elevate / & Ambulance Care$349.05 → $376.43 a month before the rebate
      +7.8%

Compare health insurance for your own household · Health insurance leaderboard. Side by side with Bupa, HCF, HIF, Medibank or another insurer.

Notes on HBF policies

to leave a note.

As of 23 October 2026, HBF sells 28 health insurance policies tracked by BankMate, priced here for a single in Western Australia after the full government rebate. Its cheapest Silver hospital cover with a $750 excess is Essential Silver Hospital at $1,242 a year, 3rd of 78 Silver policies. Prices are from the statements every insurer files with the government, and change each 1 April. From the Private Health Information Statements every insurer files with the government, published monthly by PrivateHealth.gov.au.