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Switch to a Combined Hospital and Extras Cover with HBF & Receive a $500 Digital Visa Gift Card @ Finder

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Switch to a Combined Hospital and Extras Cover with HBF & Receive a $500 Digital Visa Gift Card @ Finder
Go to Deal
RogueWolf on 19/05/2025 - 10:26 finder.com.au (1886 clicks)
Last edited 19/05/2025 - 20:26 by 1 other user

Seems like a mega deal if you can combine with free weeks bonus - BargainsLurker confirmed through chat it stacks with the up to 14 weeks free, have also asked on chat same response it stacks

Here's how it works - and what to check before you switch.
What's the offer?
We're giving eligible customers a $500 digital Visa card when they switch their health insurance (hospital + extras) to HBF through Finder's comparison service.

Who is eligible for the $500 reward?
To be eligible, you must:

Be an Australian resident aged 18 or over
Be a Finder member or create a Finder member account if you are not already a Finder member.
Be a new HBF customer or not have held an HBF policy in the last 12 months (excluding dependants coming off a family policy)
Switch to one of the eligible hospital + extras cover combinations listed on Finder
Complete a quote through Finder, then sign up and start your cover via the HBF site between 15–21 May 2025
Pay premiums monthly or fortnightly via direct debit
Ensure your policy is active and payments are up to date by the eligibility check on 14 July 2025
What HBF policies are eligible?
You'll need to sign up for both hospital and extras cover together from this list:

Hospital options

Basic Accident Hospital (available from 19 May)
Basic Hospital Plus
Basic Hospital Plus Elevate
Lite Bronze Hospital Plus (available from 19 May)
Bronze Hospital Plus
Silver Hospital Plus
Silver Hospital
Gold Hospital Elevate
Extras options

Basic Extras
Flex 50
Flex 60
Core Extras (available from 19 May)
Complete 60
Top 70
Who's not eligible?
You won't qualify if:

You're already with HBF (unless you're a dependent coming off a family plan)
You've received another HBF promo, save offer or corporate discount in the past 12 months
You pay premiums quarterly, half-yearly or annually
Your name and email don't match exactly between your Finder quote and HBF purchase
You're not a Finder member
You're an HBF employee or family member using a staff discount
You sign up before 15 May or after 21 May 2025
You're not a Finder member
How and when will I get the $500 reward?
If you're eligible, here's what happens next:

Eligibility check happens by 14 July 2025
Visa card sent by 31 August 2025
Activate your Visa card by 30 November 2025
The card will come via email from our fulfillment partner, Blackhawk Network.

Make sure your payments are up to date and your policy is still active when we check.

When does the $500 Visa card expire?
Once you activate your digital Visa card, it will remain valid for 3 years from the date of activation.

You'll receive instructions on how to activate your card when it's sent to you. Just make sure to activate it by 30 November 2025 - that's 3 months after the issue date - so you can start using it before it expires.

Can I add the $500 Visa card to Apple Pay or Google Pay?
Yes, you can. Once you receive your digital Visa card, you'll be able to add it to Apple Pay or Google Pay and use it just like you would any other card in your digital wallet.

You'll get setup instructions when the card is sent to you.

What if I entered my details incorrectly?
To qualify for the reward, your first name, last name and email address must match exactly between your Finder quote and your HBF purchase. If anything doesn't match, your reward may not be issued - so double-check your details before completing the switch.

Can I claim this offer if I've used another HBF promotion?
No - you can't combine this reward with any other HBF promotion, corporate discount or offer (except for the direct debit discount). If you've redeemed an HBF promotional or save offer in the last 12 months, you won't be eligible.

Who do I contact if I haven't received my reward?
If it's after 31 August 2025 and you still haven't received your digital Visa card, check your spam folder first. If it's not there, contact Finder's customer service team with the email you used to sign up.

Other important stuff
This offer is run by Finder (Hive Empire Pty Ltd, ABN: 18 118 785 121).
The reward is fulfilled by Blackhawk Network. Their terms apply too.
Finder may earn a commission if you switch through our service - but we're here to help you choose what's right for you.
Always check HBF's terms and conditions and privacy policy before signing up.
We may change or end this offer at any time. The latest terms will always apply.

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closed Comments

  • omguleh on 19/05/2025 - 10:41
    +1

    Says "You've received another HBF promo, save offer or corporate discount in the past 12 months", would be a great deal if it stacks.

    • puffinfresh on 19/05/2025 - 10:43
      +2

      No - you can't combine this reward with any other HBF promotion

      Yet Finder's results advertise both 14 weeks free and the $500 voucher

      • ilovefullprice on 19/05/2025 - 10:59

        I can’t seem to find this. What do you type in on Finder’s search bar?

      • BargainsLurker on 19/05/2025 - 11:45
        +12

        I just checked with their chat support, they confirmed the 14 weeks stacks

        • puffinfresh on 19/05/2025 - 11:54

          Thanks. I was just about to sign up without it applied. I'll ask them myself so I can take a screenshot as proof.

        • zootgoot on 19/05/2025 - 12:25

          I asked the same and they said they weren't aware of the finder offer and you would only get the 14 weeks if signing up on the hbf page directly

          • puffinfresh on 19/05/2025 - 13:10

            @zootgoot: Given the $500 offer is from Finder, I'll try asking them.

            Edit: Seems impossible to contact them. I've tried via Facebook.

    • jjj123 on 19/05/2025 - 17:44
      +1

      i can not see the $500 cashback words anymore, offer ended?

      • easternculture on 19/05/2025 - 17:46

        Missed this one? The $500 reward is no longer available, but you can still compare health insurance and find a great deal.

  • pygym on 19/05/2025 - 10:54
    +5

    fyi, HBF doesn't offer age based discount. I lost my 10% discount permanently because I switched and stayed with HBF for more than 60 days.

    • bio on 19/05/2025 - 11:28
      +1

      I lost my 10% discount permanently

      Isn't it only available to people between 18 & 29 anyway? I wouldn't call it "permanently".

      • laumei on 19/05/2025 - 11:39

        I just googled now and learnt that the discount may be retained until age 41 -

        As of 1 April 2019, insurers can offer people aged 18–29 years discounts of up to 10 per cent of their private health insurance hospital premiums. People will retain that discount until they turn 41, when it will be gradually phased out.

        https://www.privatehealth.gov.au/health_insurance/surcharges…

        • pygym on 19/05/2025 - 12:32

          Yes, the discount can be retained until 41. I initially had a 10% discount but switched to HBF when I was 29. After switching, I lost the 10% discount and only got the 2% since. lost 8% for 11 years, which amount to 10k easily.

  • easternculture on 19/05/2025 - 11:09
    +1

    Reading terms, you have to stay an active member until reward is fullfilled : on or before 31 August

    Maintain Eligible Cover until the Reward is fulfilled

    And

    Fulfilment of the Reward will be made on the following date: on or before 31 August 2025

    • pennypacker42069 on 19/05/2025 - 11:32
      +2

      The terms here say just by July 14
      https://www.finder.com.au/health-insurance/500-finder-x-hbf-…

      • easternculture on 20/05/2025 - 21:06

        As i said, 31 August.
        Confirmed by the email they sent today

        The Finder HBF Health Insurance Switching Promotion ended on 6.00pm AEST 19 May 2025.

        What happens next?

        • Finder will confirm your eligibility (find them here) for the Reward on or before 14 July 2025.
        • If we confirm your eligibility, then we will send you the Reward on or before 31 August 2025.
        • You must maintain Eligible Cover until the Reward is fulfilled (31 August 2025).
        • rarelyscene on 20/05/2025 - 22:36

          Finder sent emails out?

        • pennypacker42069 on 20/05/2025 - 22:56

          Yep they have made the rules much clearer now. Fortunately it will still be profitable even with the extra premiums

  • runamuck on 19/05/2025 - 11:21
    +5

    At least this promo is not "up to $500" like others but a fixed $500.

  • soan papdi on 19/05/2025 - 11:27

    Eligibiity date is 14th July. Would it okay to sign up now but start the policy say July 10?

    • OrangeBJ on 19/05/2025 - 11:30
      +1

      Complete a quote through Finder, then sign up and START your cover via the HBF site between 15–21 May 2025

      Maybe not.

    • gembel on 19/05/2025 - 11:30
      +1

      Complete a quote through Finder, then sign up and start your cover via the HBF site between 15–21 May 2025

  • philTheAgony on 19/05/2025 - 11:37

    When switching will my old one be closed automatically? or I still need to contact old health insurance?

    • puffinfresh on 19/05/2025 - 11:39
      +2

      It's usually automatic. They'll likely call to confirm / try to win you back.

  • pacman21 on 19/05/2025 - 11:44
    +1

    Thanks OP!

  • cooni on 19/05/2025 - 11:47
    +1

    Anyone know if you can come off a see-u policy onto this and get the reward?
    They're HBF but not HBF

    • RogueWolf on 19/05/2025 - 11:58
      +2

      Ask on chat, if they say yes, keep a copy of transcript as evidence in case you don’t get bonuses

    • whey4000 on 19/05/2025 - 18:13

      Did you get an answer on see u eligibility

  • jb45829 on 19/05/2025 - 11:57
    +1

    Anyone having issues with the HBF quote being higher than the finder.com.au quote, for the same policy?

    • rarelyscene on 19/05/2025 - 13:40
      +1

      Mine was cheaper on HBF compared with Finder.

    • easternculture on 19/05/2025 - 13:51

      Mine was the same

  • rwt on 19/05/2025 - 11:59

    Could anyone provide a feedback on HBF? Im currently with Medibank which is more expensive

    • YesPleaseThankYou on 19/05/2025 - 12:40
      +1

      I mean, what feedback so you want? You have Google.

    • get-innocuous on 19/05/2025 - 13:08
      +1

      Generally easy to deal with but are expensive given their gap/pay out rates unless you use a preferred provider. Dominate the market in WA so an okay bet if you’re there.

  • deadhurricane on 19/05/2025 - 12:09
    +1

    @YesPleaseThankYou thoughts on this? You're the resident churning expert

    • YesPleaseThankYou on 19/05/2025 - 12:39
      +3

      Not looking at it closely, as I've churned to Medibank.

      If the numbers and the terms stack up, go for it.

  • tommypickles on 19/05/2025 - 12:09
    +1

    Thanks OP for the deal share, upvoted. That said, in my personal opinion, the founder of Finder is such a mega-cringe crypto-bro performative personality that I find it difficult to support them as a company.

    I'm confident if you contacted HBF directly and shared the promotion details that they would match & likely be a better deal eg. don't wait for Finder to send you a visa, instead get a direct discount on the insurance.

  • thespensa on 19/05/2025 - 12:14

    Hmm is it worth resetting my cover limits in July with one of the insurers who do that or take this up.

    • YesPleaseThankYou on 19/05/2025 - 12:38

      Only you can make that decision.

    • easternculture on 19/05/2025 - 12:44

      You can reset anytime after july. After this offer ends move on to another

    • easternculture on 19/05/2025 - 12:29

      But finder links you to HBF to sign up

  • cooni on 19/05/2025 - 12:26

    For those asking if the free weeks stack

    If Finder doesn't explicitly state the free weeks, you won't get them.

    Funds typically run different offers through different sales channels (direct vs something like Finder or CTM).

    • zootgoot on 19/05/2025 - 12:30

      I'm in QLD and in the Finder site it seems to include both the 14 weeks free AND the $500
      https://www.finder.com.au/health-insurance/hbf-health-insura…

      • cooni on 19/05/2025 - 12:35

        Looks good to go then!

        • puffinfresh on 19/05/2025 - 13:27

          I'm not so sure. They are both shown, but they could claim it doesn't mean both are applicable. They direct you to the T&Cs, which aren't favourable for stacking.

          • easternculture on 19/05/2025 - 13:34

            @puffinfresh: This is how it works

            • Finder directs you to HBF via an affiliate link. They get a comission from HBF for each successful sign up post cooling off period

            • HBF completes the signup on their end, applies the free weeks.

            • Finder gets the referral affiliate report from HBF. They compare the name you provided to them on signup with the affiliate report

            • If your name is within the report during the promo period , they will issue a $500 gift card

            • puffinfresh on 19/05/2025 - 13:47

              @easternculture: Can you be certain that the affiliate rate doesn't change based on applied promotions? Much like using an unapproved coupon code on a cashback website.

              • easternculture on 19/05/2025 - 13:52

                @puffinfresh: They would have been sent the regular affiliate rate updates /t&c before they ran the promotion.

                Or a special promo arrangment between HBF and Finder headoffice that CSR are not aware of or have not read the email memo sent thu/Fri afternoon. Happens alot in workplaces.

                Exactly how econnex is able to provide gift cards that stack with energy offers. Each promo is seperate and from a different company

                • puffinfresh on 19/05/2025 - 15:31

                  @easternculture:

                  They would have been sent the regular affiliate rate updates /t&c before they ran the promotion.

                  Which could be why the T&Cs for the $500 offer say:

                  Can I claim this offer if I've used another HBF promotion? No - you can't combine this reward with any other HBF promotion

                  It's all speculative. There's nothing to confirm either way.

                  • easternculture on 19/05/2025 - 15:49

                    @puffinfresh: Ah well. Have the screen shot showing 2 promos together on finder page. If i dont get it, fair trading it is

                    • puffinfresh on 19/05/2025 - 22:09
                      +1

                      @easternculture: I've gone for it. On second reading, it sounds like it only applies to HBF promotions you've USED in the past 12 months since the list of things that make you not eligible says:

                      You've received another HBF promo, save offer or corporate discount in the past 12 months.

                      I have not.

                      The FAQ further down seems to only relate to the above point:

                      Can I claim this offer if I've used another HBF promotion?
                      No - you can't combine this reward with any other HBF promotion, corporate discount or offer (except for the direct debit discount). If you've redeemed an HBF promotional or save offer in the last 12 months, you won't be eligible.

                      "…if I've used…" is different to "if I use"
                      Have I USED another promotion? No.
                      "… in the last 12 months" also references the past, not this current sign up.

  • cobknob on 19/05/2025 - 12:27

    All these promos for private health… And I can't switch from HBF to HBF 😭

  • JohnHowardsEyebrows on 19/05/2025 - 12:34

    To ensure it stacks, take a screenshot from Finder - it clearly lists both offers when displaying options, and you have no way of opting out of the 14 weeks.

    Ergo, they can't reasonably deny it.

    • puffinfresh on 19/05/2025 - 13:28
      +1

      There is a "No thanks" option on the HBF website when the 14 week offer pops up

  • parcus on 19/05/2025 - 12:47
    +1

    To crunch the numbers

    Cheapest combined cover as a single NSW is $25.12/wk
    25.12*5 = $125.6 total outlay
    Followed by 6 weeks free taking you to 4th August (i.e. after 14th July eligibility check)
    Earn $500 visa gift card
    = $374.4 profit

    Assuming taking it as a new cover you'll also make it to the 2 month waiting period items, so that could be some optical items or massages etc covered as well? May as well pay the extra $1.27/wk extra (=$6.35) for the next level up extras cover to get much better inclusions

    • salekhard on 19/05/2025 - 13:11
      +1

      You also do get the cover, so your estimate is conservative.

    • scons on 19/05/2025 - 14:08

      First time signing up for health insurance. When should I cancel the policy? edit: do you have to give notice, is there any pro-rata refund?

      • batrarobin on 19/05/2025 - 17:43

        No noticed required, you get pro-rata refund.

  • AliKay on 19/05/2025 - 12:55

    Just spoke with someone at HBF and they say they are not a 100% sure if both Finder and 14 weeks free offer will stack up because they do not work for Finder. They mentioned if during the sign up process we are getting the eligibility for 14 weeks free then that's only what JBF can guarantee

  • Iwantthebestprice on 19/05/2025 - 12:58

    Is there any downside to churning health insurance? I’ve been with AIA since forever but I’m keen to save some extra $$ if I can but surely I’m missing something otherwise wouldn’t everyone just switch health insurance every year?

    • YesPleaseThankYou on 19/05/2025 - 13:02
      +2

      Is there any downside to churning health insurance?

      Many threads discuss the pros and cons.

      I’ve been with AIA since forever

      Sad. You have been paying the loyalty tax.

      I can but surely I’m missing something otherwise wouldn’t everyone just switch health insurance every year?

      I churn between 4 and 6 times per annum.

    • FiDad on 19/05/2025 - 13:03

      No. I have been switching twice a year for last 5 years and had no issues. My wife and daughrer even had couple of day surgeries in private hisital during this time with no issues

  • Hinee on 19/05/2025 - 13:01
    +1

    I requested a quote and directly next to each other within each table:

    Get $500 from Finder
    Ends at 11.59pm 21st May 2025. T&Cs apply.

    Get up to 14 weeks free. For new members who join by 17 July and maintain hospital and extras cover. T&Cs apply.

  • Ovapoweredqcumba on 19/05/2025 - 13:06

    When it says switch, does that mean I have to cancel my existing policy, or can I hold two policies at once?

    • puffinfresh on 19/05/2025 - 13:29

      I don't think you're able to hold two policies at once

      • easternculture on 19/05/2025 - 13:30

        Your allowed to

        • Grannular on 19/05/2025 - 13:47

          *you're

        • puffinfresh on 19/05/2025 - 13:48

          Can you claim the government discount on both?

    • Ovapoweredqcumba on 19/05/2025 - 13:33

      Yep, didn't chance it in case there is a term that precludes a claim for holding multiple policies (think I read something with NIB once).

      • YesPleaseThankYou on 19/05/2025 - 13:34

        My view is that you are not permitted to hold concurrent policies - this is a hotly debated topic.

        • SaveTheManuals on 19/05/2025 - 15:19

          For extras, is it only an issue if you attempt to claim the same reimbursement/govt discount from both policies?
          Otherwise stacking policies should be okay right? It's at your own cost anyway.

          • easternculture on 19/05/2025 - 15:27

            @SaveTheManuals: Nah, you still get the gov discount on both policies simultanously

            • SaveTheManuals on 19/05/2025 - 17:03

              @easternculture: In my case I am referring to having 2 Extras policies only, i.e. my existing AHM Extras + HBF Hospital + Extras. I checked with AHM on live chat and they said that I'm allowed to have multiple Extras policies as long as I only claim once per health service.

              I didn't check about multiple Hospital cover policies but I agree that part would be more questionable.

  • salekhard on 19/05/2025 - 13:09
    +7

    Just remember (for the 14 weeks free):

    • 6 weeks free cover will be applied to your policy after 31 days from the start of your policy.
    • 4 weeks free cover will be applied to your policy after 13 months from the start of your policy.
    • 4 weeks free cover will be applied to your policy after 26 months from the start of your policy.

    • YesPleaseThankYou on 19/05/2025 - 13:31
      +2

      Hopefully OzBargainers aren't stupid enough to stay after the initial 6-week free period.

      • salekhard on 19/05/2025 - 15:00
        +2

        To get the $500 gift card you need to stay until July 14.

        • legelas on 19/05/2025 - 15:09
          +2

          31 days from today is 19 Jun, and after 6 weeks free, it'd be well over the 14 July, so his comment makes sense

  • BrainSand on 19/05/2025 - 13:11

    How does it work with waiting periods, I was told two different things when I was looking to switch to bupa from medibank

    If I were to switch with x amount of dental coverage with medibank, I wouldn't have to serve the waiting period for that equivalent coverage. But the bupa rep told me if I switch to a higher coverage my waiting period would be waived because I was already covered, but would I be covered up to that higher amount?

  • easternculture on 19/05/2025 - 13:16
    +3

    Well my free weeks with union health ended yesterday so very good timing

  • whey4000 on 19/05/2025 - 13:26

    I have had "see-u by HBF" health insurance in the last 12 months. I cant see anything in the terms and conditions regarding see u eligibility. Anyone else?

    • YesPleaseThankYou on 19/05/2025 - 13:30

      I have had "see-u by HBF" health insurance in the last 12 months. I cant see anything in the terms and conditions regarding see u eligibility. Anyone else?

      The posted terms state:

      Be a new HBF customer or not have held an HBF policy in the last 12 months (excluding dependants coming off a family policy)

      Perhaps you should've gone to Specsavers?

      • whey4000 on 19/05/2025 - 13:32

        See u Health Insurance was purchased by HBF but its still seperate.

        • YesPleaseThankYou on 19/05/2025 - 13:33
          +1

          OK, maybe I should have gone to Specsavers 😂

  • Grannular on 19/05/2025 - 14:22

    Can anyone please confirm if "Basic Hospital Accident Only" covers medicare levy?

  • Britney on 19/05/2025 - 14:55
    -1

    Is this $500 for single cover? If we’re a couple, can we submit 2 separate covers for $500 x 2? 🤔

  • knobbs on 19/05/2025 - 15:14

    Is it worth just taking this policy even if I am partway through another offer? Hold 2x PHIs

    • Ovapoweredqcumba on 19/05/2025 - 16:02

      See my comment above. Holding two PHI policies is a grey area but some insurers specifically preclude recovery. Gotta check T&Cs.

      • easternculture on 19/05/2025 - 16:04

        Ive held 2 at same time in multiple occasions. No issues at all as long as you dont claim same extras with both

        • YesPleaseThankYou on 19/05/2025 - 16:06

          Just because you have held them, doesn't make the practice legal or otherwise authorised by the funds.

          • easternculture on 19/05/2025 - 16:10

            @YesPleaseThankYou: Well obviously tax office knew about it and was not given any warning about it.

            Also multiple funds confirmed i was able to keep old policy active and claim on both (as long as item is not the same) when i had a few days or weeks left of free period

            • YesPleaseThankYou on 19/05/2025 - 16:13

              @easternculture:

              Also multiple funds confirmed i was able to keep old policy active and claim on both

              The funds' interests are self-serving.

              Someone can have a read of 'Division 22—PHIIB, PHII benefit and related concepts' in the Private Health Insurance Act 2007 (Cth) and related regulations so we can settle this argument once and for all.

              Suffice to say that I am sure that it was not the government's intent that people hold multiple policies and claim the Australian Government Rebate on those multiple policies.

    • YesPleaseThankYou on 19/05/2025 - 16:07

      Why on earth would you hold multiple policies?

  • zootgoot on 19/05/2025 - 15:58

    I don't see Basic Accident Hospital as an option even though its in the Ts and Cs, is anyone else not seeing it?

    • rarelyscene on 19/05/2025 - 16:36

      Didn't show up for me either on Finder. It does come up on HBF but for me it's only $1 a week cheaper so I'll just go with Hospital Basic Plus to not potentially miss out on the $500.

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