Each month we analyse over 10,000 hospital and extras insurance products and rate each one on price and features. What we end up with is a nice round number out of 10 that helps you compare products a bit faster.
Before we start scoring, we need to make sure we're comparing like-for-like. Just as it doesn't make sense to compare a toy car with a Porche, it doesn't make sense to compare basic policies to top-tier gold policies. Each policy is given a price score and feature score. These are then combined to determine each policies's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.
What do Australians think of HBF health insurance?
4.18/5 overall for Customer Satisfaction - higher than the average of 4.13
4.57/5 for Trust - higher than the average of 4.46
4.2/5 for Customer Service - higher than the average of 4.17
HBF App: Download from the App Store or Google Play to claim via the app
myHBF: Claim online through HBF"s digital portal, myHBF
On the spot: Swipe your member card or tap your digital member card when paying
At a branch: Visit your nearest HBF branch
Mail: Return a claim form by mail to HBF, GPO Box 1440, Perth WA 6845
Complaints info
HBF has a fantastic record on complaints. We regularly analyse Ombudsman complaints data to see which health funds receive more or less complaints compared to their market share. The most recent State of the Health Funds Report data has HBF with 8.10% of market, but accounted for only 2.20% of complaints received. That's better than all the major health funds by a really wide margin.
Congratulations, HBF!
HBF is the most awarded health insurance provider in the Finder Product Awards since 2022. In 2025, HBF was highly commended in the Core Extras Health Insurance category.
Health Insurance - Bronze Hospital - Highly Commended 2024
Health Insurance - Gold Hospital - Highly Commended 2024
Winner for Best Fund 2023
Winner for Best Health Insurance - Basic Hospital 2023
Winner for Best Health Insurance - Medium Extras 2023
Finalist for Best Health Insurance - Silver Hospital 2023
Finalist for Best Health Insurance - Bronze Hospital 2023
FAQs
HBF offers a range of hospital and extras policies that cover various medical treatments, procedures, and expenses. The specific will depend on which policy you take out.
No. HBF and HCF are separate entities.
HBF stands for the Hospital Benefit Fund. It was initially founded in 1941 as the Metropolitan Health Fund but has since evolved to become HBF.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 249 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Get a $300 digital Visa card when you switch to a combined hospital and extras policy with HBF through Finder. Offer available to the first 190 eligible customers from 11 - 30 June 2025.
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Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
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