*On Hospital covers available for sale. You can choose from set excess amounts. From 13th February 2017 members on GMF products will be known as HBF members as GMF will no longer exist as a separate private health fund. This exemption can only be accessed once in a member's lifetime. Review your options to find the best health insurance in Australia. It's your policy in your pocket! For example, a hospital insurance policy might let you choose to pay no excess, $250 excess, $500 excess or $750 excess. display:none; Send a claim, keep on top of your extra's limits, view all your important documents and update your details on the go. Frank (GMHBA) Max Hospital (Silver+), cost per month $204. May not apply to some closed Hospital covers. 2 months: Palliative care: 2 months An optional hospital excess is designed to help reduce your premiums. Learn more, Get treated3 in a private hospital, and avoid public hospital waiting lists. Top hospital cover including Pregnancy and birth, combined with complete extras cover that gives 60% or more back across all services, including Orthodontics. We'll help you find our best cover that suits your needs. Across all HBF products and services, benefits are payable up to applicable annual limits and only for services and programs approved by HBF and delivered by providers that are approved by HBF. Hospital insurance helps cover the cost of ‘inpatient’ services—these are treatments you receive when you’re formally admitted to hospital for care, e.g. HBF does not cover air ambulance. So we need to make sure you're looking at the right information to give you an accurate quote. Our insurance experts review Silver hospital insurance policies from 36 health funds to find the best ones: compare health insurance now. You can also call us on 133 423, visit your nearest branch or visit hbf.com.au HBF Participating Hospitals Please enable JavaScript by following this link. 4 signs you should update your health cover, A higher excess means you’ll pay less for your cover (the higher your excess, the lower your premium). Restricted services receive the minimum default benefit, which generally means a large out-of-pocket. Contact us and we’ll help choose Content, products and pricing information is different if you live in Western Australia. When you buy hospital insurance for the first time, if you’ve not had it for a long time, or you upgrade to include a new service or procedure, there will generally be a waiting period you need to serve before you can claim. You only need to pay the excess when you or someone else on your policy needs to go to hospital. What's an excess? From 13th February 2017 HBF participates in Access Gap Cover for all states excluding WA. Brain and nervous system Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. published 1 day ago. This site requires the use of cookies. If you’re switching to HBF from another health insurer, you won’t need to re-serve waiting periods already served with your previous insurer. You won't be required to pay an excess for any dependent children on your family hospital cover. We need to confirm your location to show you the correct content, products and pricing. We explain what's covered under Silver hospital insurance, the differences between Silver and Silver Plus, and what you can expect to pay. Need to know a bit more about what Silver insurance is first? color: #00acb8; for surgery. The excess applies for day and overnight admissions. There’s no excess for any dependants on your policy. An excess applies to both day and overnight surgeries, so even if you go in for a simple procedure (like a colonoscopy) you will still have to pay it. Between the diagnosis and the operations, it was about three weeks. GMHBA Silver Plus Classic Hospital, cost per month $212. Think its unlikely that you’ll end up in hospital, Can afford to cover the excess in the event of a claim, Have had multiple hospital claims in the past, Can’t afford to cover the excess in the event of a claim i.e. We need to confirm your location to show you the correct content, products and pricing. Please enable cookies by following this link. Excess Mid Family Hospital members have the choice of a $250 or $500 excess to reduce the premium. Just be aware of out-of-pocket costs, which can include excess or co-payments, as well any outpatient services. This site requires JavaScript. This site requires JavaScript. If selected, the excess applies to each person on the policy, per calendar year and only if you’re admitted to hospital. How to manage out-of-pockets: Some HBF products have a lower excess option to reduce the amount you pay upfront when you go to hospital, but keep in mind a lower excess generally means a higher premium. © 2021 Copyright HBF Health Limited - (ABN) 11 126 884 786 and its subsidiaries. Still unsure? Hospital waiting periods A waiting period refers to the period of time you have to wait (after purchasing or upgrading Hospital Cover) before you’re entitled to received From our great-value Vital Options insurance that starts from just $5.15 1 a week, through to our top-level Premium Options cover which includes HIF Second Opinion, giving you access to the best medical advice from the world’s leading specialists. Medibank's Health insurance for couples offers peace of mind; choose from covering the essentials through to planning a family. The good news is that with HBF, you only pay hospital excess once per person, per calendar year (to a maximum of twice on a family policy) when you’re admitted to hospital. When you take out HCF hospital cover you’ll be asked to choose an excess. He just wanted to get me in as quick as possible. The product you’ve selected isn’t available for purchase in your state. HBF Silver Hospital Plus, cost per month $206. This site requires the use of cookies. It's one of the lowest-priced Bronze Plus options and includes treatments such as joint reconstructions for young, active people. HCF Hospital Silver Plus, cost per month $202 Will a higher excess save you money? Comprehensive hospital cover for most treatments, excluding pregnancy and birth. It’s only payable if you, or someone on your policy, go to hospital. With HBF, when you’re admitted to hospital for treatment you will get 100% back for the cost of your hospital accommodation and specialists so long as you choose providers that have ‘no-gap’ (otherwise known as ‘fully covered’) agreements with your health fund. HCF HOSPITAL BRONZE PLUS PRODUCT SUMMARY FEATURES HOSPITAL INCLUDES: Flexible excess options - choose from a $250, $500 or $750 excess Cover for digestive system procedures, bone, joint and muscle procedures and more Ambulance cover in emergencies BE REWARDED WITH A GREAT RANGE OF For example if you have an excess of $500, when you’re admitted to hospital you’ll have to pay the first $500 of the hospital costs on top of anything else not covered by your policy. HBF are a Member’s Own health fund which has been operating in Australia for 70 years and is now one of Australia’s top five health funds. On the following pages we go into a lot more detail about our Hospital policies. Waiting periods for hospital insurance generally fall into two buckets: 12 months for pre-existing conditions, pregnancy and birth and 2 months for most other procedures and services. Depending on your level of cover, you may also have exclusions and/or restrictions. Hospital price includes an excess of $750, excludes any Youth Discount and excludes Lifetime Health Cover loading. For most family covers, you'll only pay twice the chosen level of excess per calendar year. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. Their mascot is the famous WA quokka. If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location. Brain and nervous system. The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. You can also earn up to 50,000 Frequent Flyer Points when you join. Mid Family Hospital Your choice of excess will affect your premium. The excess applies for day and overnight admissions. Hospital excess is the amount of money you contribute upfront (out of your own pocket) before you can claim a benefit on hospital treatment. you have no savings you can dip into if necessary. the best excess for you. Use the table below to see which excess rules apply to your cover. If you’re moving from a level of cover with an excess to a level of cover without an excess, you’ll still need to pay the excess if you’re admitted to hospital … For more detail, view the Health insurers introduced a $750 excess in 2019, and some people might have seen their $500 excess increased to $750, payable if you have to go to hospital. Budget-friendly hospital cover for a range of treatments, combined with flexible extras cover that gives 50% or more back on 12 popular services. 12 months. Your hospital insurance cannot cover ‘outpatient’ services—these are treatments you receive when you haven’t been formally admitted to hospital, for example, tests and examinations (like x-rays and blood tests). How to manage out-of-pockets: Some HBF products have a lower excess option to reduce the amount you pay upfront when you go to hospital, but keep in mind a lower excess generally means a higher premium. Removal of excess skin due to weight loss is covered separately under the clinical category Weight loss surgery. Get 6 weeks free after 6 months with us!Join by 31 March 2021 on eligible Hospital and Extras cover and get 6 weeks free after 6 months with us. Check if your excess has changed. The fund offers a range of policies, from budget cover through to comprehensive plans. At Members First Day Hospitals, you have the added benefit of no medical gaps in addition to being covered for hospital costs, provided the treatment is recognised by Medicare and … When can I start using my hospital insurance. If a service is excluded, it’s not covered at all. This fee is in addition to any excess or co-payment you may have as part of your hospital cover. } It's your policy in your pocket! Tell us a little about yourself and in 2 - 3 minutes we’ll find our best cover to suit your needs. Please enable cookies by following this link. Members who have held hospital cover for at least 2 months and upgrade to HCF Hospital Gold to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. Refine price. depends on the level of hospital cover you choose. hospital and medical charges not covered by Medicare. The excess applies to each person on the policy, per calendar year and only if you’re admitted to hospital. Gold health cover ranges in price from $196 to $622 a month for a family policy with excess. You won't be required to pay an excess for any dependent children on your family hospital cover. GMHBA Silver Plus Premium Hospital, cost per month $208. Hospital. Out of pockets may apply. It helps cover the cost of doctors’ and anaesthetists’ fees, as well as other hospital costs like accommodation, prostheses and theatre fees. You can increase or decrease your Hospital excess by changing your cover in your nib account (for OVHC members, you’ll need to call us). The excess is paid once per member per calendar year (to a maximum of twice per couple or family policy) no matter how many times you may be hospitalised. Select cover & get a quote today. HBF is a not-for-profit fund, owned by more than a million members. Content, products and pricing information is different if you live in Western Australia. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover. We'll help you find our best cover that suits your needs. Rehabilitation. How we chose the winners Discover how hospital excess works and how it can help make health insurance cheaper. The excess applies for day and overnight admissions. Hospital cover designed for the healthy and budget conscious. © 2021 Copyright HBF Health Limited - (ABN) 11 126 884 786 and its subsidiaries. Generally, the higher your excess, the lower your premium. Don’t worry, we’re here to help. HBF’s health insurance offers five Hospital Cover options; Basic plus, Bronze plus, Silver, Silver Plus and Gold. Eye (not cataracts) Ear, nose and throat. Qantas Health Insurance offers Basic, Basic Plus, Mid, Advanced and Top cover. You also have the choice of 5 Extras options, varying from the affordable basic to the comprehensive option that includes a broad list of benefits with higher limits. See our top picks, or compare online. Where your treatment is an included service on your hospital cover, your hospital costs will either be fully or partially covered depending on the type of agreement your health fund has with your specialists and hospital. There’s no excess for any dependants on your policy. An excess does not apply to Extras cover. For Overseas Visitors, you can select a $500 excess or a $0 excess. HBF Hospital Cover Getting the right health cover for you is in the details. If you have the time it’s well worth you reading through. The specific hospital procedures and services you’re covered for (e.g. This is the amount you agree to pay if you’re admitted to hospital … } In most cases, Medicare will help cover these services. Bronze Hospital Plus $500/$1000 Excess Author: HBF Health Limited Subject: Private Health Information Statement Created Date: 3/1/2021 12:00:00 AM Some hospital insurance policies have a set excess amount, while others give you the option to choose the excess. from Palliative care. 2 HBF will cover the cost for urgent ambulance transport by road only for circumstances classified as emergency or urgent. Hospital psychiatric services. Please enable JavaScript by following this link. About HBF. You don’t have to pay hospital excess if you go to an extras service provider, like a dentist or physio. The cost varies depending on which state you live in, how much you earn, your level of excess and when you first bought health insurance. weekly, .inc-alert__cta{ Excess Top Hospital members have the choice of adding a $250 or $500 excess to reduce the premium. They claim helping members is their number priority, it’s far from the truth. An excess is an amount you pay as a contribution when you go to hospital With hospital insurance, you can go to a private hospital for treatment, choose your own specialist and time of treatment, and gain access to a private room (so long as it’s covered on your policy and there’s one available). Other funds may charge an excess (an excess is the amount you agree to pay towards the cost of hospital treatment). When going to hospital, the amount of excess you chose will be the sum you are required to pay upfront prior to claiming a benefit from your health fund. 1 At a Member Plus hospital. The waiting period for pre-existing ailments is 12 months. HBF Health Limited Bronze Hospital Plus $500 excess HBF's Bronze Hospital Plus cover offers a good starting point for those looking for an entry-level policy. The table below shows how many hospital agreements HBF has in your state compared to the fund with the highest number (the industry maximum). The excess is your contribution to your hospital treatment. .cta-color{ On child only policies, any applicable excess may still apply to the policy owner. If you choose a higher excess, you will have a greater reduction on your premium. Generally, as your level of hospital cover goes up, so does the number of included services. Top hospital cover for all treatments, including pregnancy and birth 4 No excess for kids applies to single parent or family hospital covers only. With HIF Hospital cover you’ll be able to choose your own excess (including our Gold Star Hospital policy which has no excess at all!). Fund Product Template for Hospitals. If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location. Please note: For family policies, no excess applies to dependent children under the age of 18. Our products and prices differ from state to state. I’ve been a member for over 15 years, … An excess is a sum of money you pay upfront before you receive hospital treatment. Compare Extras Cover . The good news is that with HBF, you only pay hospital excess once per person, per calendar year (to a maximum of twice on a family policy) when you’re admitted to hospital. As well as travel insurance, they offer health, home, car and life insurance. An excess is a contribution towards each hospital stay that you can choose to pay to reduce your premiums. If you choose Hospital cover with an excess applied, you'll only have to pay it upon admission to hospital, and only once per calendar year (even if you have multiple admissions in the same year). It provides cover for all clinical categories. HBF travel insurance policies are backed and written by CGU insurance. You won't be required to pay an excess for any dependent children on your family hospital cover. Gold Hospital product sheet. Hospital insurance, also known as hospital cover, helps cover costs when you go to hospital for surgery and other types of medical treatment. Be careful with HBF who claims to care about their customers, my policy was changed from having an excess of $200 to $750. chemotherapy, a colonoscopy, tonsil removal, knee reconstructions etc.) Tonsils, adenoids and grommets. Frank (GMHBA) Top Hospital (Silver+), cost per month $252. Includes private hospital, dental, promos & more. Send a claim, keep on top of your extra's limits, view all your important documents and update your details on the go. HBF is now an Australia-wide insurance fund that covers over 900,000 members. How to manage out-of-pockets: Some HBF products have a lower excess option to reduce the amount you pay upfront when you go to hospital, but keep in mind a lower excess generally means a higher premium. HBF, which stands for Hospital Benefit Fund, is based in Western Australia and has been providing health cover to Australians since 1941. HBF is most well known for its health insurance policies and was established as the Metropolitan Hospital Benefit Fund in 1941 to help Western Australians cover the cost of hospital treatment. Looking after Australians for nearly 80 years, We're a not-for-profit organisation, so we focus on giving more back to members, 4 signs you should update your health cover, Plastic and reconstructive surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps). Hospital is now a closed product, the excess amount cannot be changed. The product you’ve selected isn’t available for purchase in your state. $31.55 Our products and prices differ from state to state. Top hospital cover for all treatments, including pregnancy and birth. Compare your options and choose the level of cover that suits your needs, budget and lifestyle. So we need to make sure you're looking at the right information to give you an accurate quote. Subject to availability.