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Compare HBF health insurance

How HBF rates for member complaints, gap cover and ambulance cover.

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CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Who is HBF?

HBF is a nonprofit health fund founded in Western Australia in 1941 and headquartered in Perth. It has more than a million members nationally (with the majority of these in WA) and is Australia's fifth-largest private health fund behind Medibank, Bupa, HCF and NIB. HBF is also part of Members Health, an alliance of nonprofit and mutual health funds.

HBF merged with CUA Health in 2021 and has renamed the brand as see-u. HBF also merged with Queensland Country Health and Territory Health in 2023.


Phone: 133 423


see-u (formerly CUA Health)

Phone: 1300 499 260


Queensland Country Health Fund (including Territory Health Fund)

Phone: 1800 813 415


Premium increase for 2024

HBF increased its health insurance premiums on 1 April 2024 by an average of 3.95%.

This compares with an average premium increase of 3.03% and is the second-highest increase of the five major health funds:

How to save on your HBF health insurance premium

You can often save money on your health insurance by taking advantage of available discounts that centre around how and when you pay, such as:

  • 3.85% discount when you prepay your premium (maximum prepayment period is 18 months)
  • 4% discount when you pay by direct debit
  • 7.85% discount for some policies when you prepay your premium using direct debit.

Review, switch and save

If you want to check whether you're getting the best deal, you can review your health insurance at any time (in fact, it's good practice to do it at least once a year). To help you wade through the seemingly infinite options, our insurance experts developed a tool that lets you compare health insurance policies based on your needs so you can find cover that works for you, and potentially save yourself hundreds.

Does HBF get many complaints from members?

HBF has a Low complaints rating.

The major funds are all evenly matched in this regard, with Medibank, Bupa, HCF and NIB having a Medium complaints rating as well.

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is HBF's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Gap cover forms part of our rating for health insurance policies.

Rating scale

  • Well above average
  • Above average
  • Average
  • Below average
  • Well below average

How many hospital agreements does HBF have in your state?

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. 

The table below shows how many hospital agreements HBF has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does HBF offer ambulance cover?

All HBF extras, hospital and combined policies have emergency ambulance cover (but not air ambulance).

Does HBF offer family policies that cover adult children?

  • Adult children are covered on family policies for free until they turn 21.
  • Full-time students are covered on family policies for free until they turn 25.
  • Adult children younger than 25 can be covered on extended family policies for an extra cost. 

Does HBF let you claim online or in-app?


We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.

Stock images: Getty, unless otherwise stated.