My oarents have been a member since 1970s. They have paid thousands of dollars. Then they went on pension. Moved south, changed address.I let hbf know my parents changed address. Only to find out myself (went to a outlet) that they couldn't debit my parents card. Hbf didnot bother to send them a letter. (my parents are old, and dont about emails). We tried to solve the issue. But had to pay like $1000+ first just to continue the membership. Mum was really disappointed. Mum said all those years she and dad hardly use their membership.Only took ...Read more

We have been paying the highest amount of gapsaver with HBF to create a bank for upcoming dental expenses. We've accumulated about $1000 of our own money. Recently we had to close our account because my husband has a health policy through his new job. When I questioned why my gapsaver wasn't refunded, I was told that it's not possible and I should have read the disclosure statement. When they sold me this scheme, there was absolutely no mention of this if we decided to leave. They told me that they will go back 2 years and use up as much of it...Read more

Warning to customers or potential customers, do NOT trust this health insurer and do NOT trust any of their staff to ever act in the best interests of you. My own experiences have proven that this health insurer cannot be trusted and that their staff not only mislead you, they talk down to you, become condescending and don't to anything to try to assist with cover at all!!!

On top of this, they don't truly care about your health nor the mistakes their employees make and stand behind rubbish like "we have no evidence of a conversation in a bran...Read more

I have been with HBF for well over 12 years, I was happy with the original product $46 per month, but they continually add extras to raise your premium (eg. comprehensive cover for ambulance) and each time I sit down and review my cover it is very hard to understand what I am covered for. The latest cover update has the usual increased premium and loss of valued cover options but best of all I am now covered for "Miscarriage and termination of pregnancy post 20 weeks gestation,+ Female and male sterility reversal." Great to know for a 52 year ...Read more

I was a member of HBF for over 5 years. I have never had a good experience with claims or customer service but I thought I had a good policy, hence why I stayed with them for so long. I received my new policy in November for 2022 and at first glance, it looked like they had made some improvements. Despite the annual amounts for physio & chiro decreasing, the amounts I could claim back per visit had increased - this was a positive. For some reason although osteo and chiro are combined they didn't increase the cover for Osteo - Go figure?
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In a time where we needed HBFs assistance most (the first time). I encountered the nightmare that is HBF.

HBF are effective at moving the goalposts and delaying any offer of assistance in supporting their members.

* They have told me that the report the GP has written is too brief in information in his report.
*They have told me the surgeons speak too fast for them to understand them.
* They tell me i cant get an official response because of power issues they are having.
* They tell me reports are being held up by thunderstorms.
* They tell me the government are slowing them down with 30 day lead times on freedom of information requests.
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I have been with Hbf for more than 5 years paying 130aud monthly. Today, I decided to have my eyes checked and decided to get a new pair of glasses. My old ones full of scratches and no longer the right prescription. Total bill was 600 dollars and hbf only gave me 9 dollars back from the gap savers. My gap saver balance is about 940aud. Their trick is to cover the first item of the glasses parts. So if you're covered on the first one, you won't get covered on the lenses. Which is ridiculous. So gap saver is useless and basically fake saver. Ver...Read more