HBF Health Limited (HBF)
HBF is a not-for-profit health fund based in WA. With almost a million members nationally, HBF is the fourth largest health fund in Australia. For over 75 years, HBF has been providing quality health cover and additional member benefits to support healthy lifestyles. HBF offers cover for your health, car, home and contents, boat, caravan and even travel insurance too.
HBF Health Limited provide further information regarding:
- Gap cover doctors
- Agreement hospitals
- Preferred providers
- Ambulance cover information
- Overseas visitors
- Corporate products
This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can see Agreement Hospitals for this insurer and further details are available from the insurer.
This insurer is a mutual organisation that operates on a not-for-profit basis.
HBF Health Limited operates in all states and territories.
The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health insurers. The following is a selection of statistics about this health insurer - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some insurers in some states, as there are insufficient numbers reported to APRA for states in which the insurer does not have a large membership.
|Benefits as a % of contributions||87.3%||86%|
|Management expenses (% cont)||11.3%||9.1%|
|Management expenses (average policy)||$372||$350|
|Member retention (%)||83%||82%|
|Hospital Related Charges Covered||83.5%||89.5%||93.1%||92.3%||93.7%||95.2%||95%||90.6%|
|Medical Services with No Gaps||73.4%||76.8%||66.7%||70%||67.7%||91.8%||79.7%||72.7%|
|Medical Services with No or Known Gaps||99.3%||99.4%||99.8%||99.6%||99.9%||99.8%||99.8%||98.8%|
|General Treatment (extras) Covered||45.8%||49.7%||50.4%||50.4%||52.9%||57.9%||53.6%||53.9%|
|Private Hospital Agreements||5||95||77||52||24||23||5||2|
|Day Hospital Agreements||8||86||65||46||25||24||4||1|
|Share of PHIO complaints||Compared to insurer's market share|