see-u vs HBF: two brands of HBF Health Limited
see-u by HBF and HBF are the same insurer. see-u is HBF Health Limited trading as see-u by HBF, as its own site states. Both are policies of that one registered insurer, and the government reports one set of performance figures for both. What differs is the policies: see-u by HBF publishes 9 hospital and 4 extras products, HBF 18 and 10, and only see-u by HBF sells Silver while only HBF sells Basic Plus and Gold hospital cover. Counted from the government's policy data, 1 Oct 2026 release.
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see-u by HBF
- Insurer
- HBF Health Limited
- Products on sale
- 9 hospital, 4 extras
- Hospital tiers
- Basic, Bronze Plus, Silver, Silver Plus
- Discount for 18 to 29 year olds
- Offered on every hospital policy
HBF
- Insurer
- HBF Health Limited
- Products on sale
- 18 hospital, 10 extras
- Hospital tiers
- Basic, Basic Plus, Bronze Plus, Silver Plus, Gold
- Discount for 18 to 29 year olds
- Not offered
Open policies sold to the public, from the government's policy data (1 Oct 2026 release, CC BY 3.0 AU). A product is counted once, whatever the state or family type.
Is see-u by HBF the same company as HBF?
Yes. see-u is HBF Health Limited trading as see-u by HBF, as its own site states. The registered insurer behind both is HBF Health Limited, which is also the name printed on every policy's information statement.
Source: seeuhealthinsurance.com.au, site footer, read 14 October 2026.
What does hospital cover cost with see-u by HBF and HBF?
The lowest and highest monthly premium for one person on hospital cover that avoids the Medicare levy surcharge, before the rebate, tier by tier. Within a tier, policies differ in excess and in what they restrict, so compare the information statements before deciding.
| Tier | see-u by HBF | HBF |
|---|---|---|
| Basic | $103.39 to $107.822 policies | $105.371 policy |
| Basic Plus | Not sold | $116.76 to $140.924 policies |
| Bronze Plus | $121.79 to $133.973 policies | $125.10 to $181.805 policies |
| Silver | $152.581 policy | Not sold |
| Silver Plus | $257.13 to $288.913 policies | $158.78 to $300.528 policies |
| Gold | Not sold | $421.18 to $449.512 policies |
From the government's policy data, 1 Oct 2026 release. Premiums change, usually each 1 April; the rebate reduces what you pay. Each policy's current premium is on privatehealth.gov.au and the insurer's own site.
How does HBF perform on the government's figures?
privatehealth.gov.au reports these for the insurer as a whole, so they apply to see-u by HBF and HBF alike. Complaints: 4.4% of all complaints to the Ombudsman, with 7.9% of the market.
| Figure | HBF | Industry |
|---|---|---|
| Hospital charges covered | 91.1% | 89.0% |
| Medical services with no gap | 92.7% | 87.1% |
| Extras charges paid back | 52.3% | 50.7% |
| Premiums paid back as benefits | 82.2% | 84.5% |
| Hospital members who stayed | 88.4% | 85.0% |
| Management costs | 13.4% | 10.9% |
Source: HBF on privatehealth.gov.au, read 14 October 2026. Australia-wide figures; state figures and every other insurer.
Common questions
Is see-u by HBF the same company as HBF?
Yes. see-u is HBF Health Limited trading as see-u by HBF, as its own site states. Both are policies of the same registered insurer, and the government reports one set of performance figures for the two.
What is the difference between see-u by HBF and HBF?
The policies. see-u by HBF publishes 9 hospital and 4 extras products; HBF publishes 18 and 10. Only see-u by HBF publishes Silver hospital policies; only HBF publishes Basic Plus and Gold. Counted from the government's policy data, 1 Oct 2026 release.
Is see-u by HBF cheaper than HBF?
It depends on the tier. In NSW, for one person on hospital cover that avoids the surcharge, see-u by HBF's lowest monthly premium is lower in 2 of the 3 tiers both sell, and HBF's in the rest. Premiums differ by state and excess, so compare the same tier in your state. Figures are from the government's policy data, 1 Oct 2026 release, before the rebate.
Can I switch from HBF to see-u by HBF without new waiting periods?
For the same or a lower level of cover, waiting periods you have already served carry over when you switch, as they do between any two insurers, if the gap between policies is short and premiums are paid up. Higher or new benefits can carry new waiting periods. Ask HBF how it treats a move between its own brands.
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General information only, not financial, tax or medical advice. Insurer and brand names and logos are trade marks of their owners, used to identify them; no insurer has endorsed this page. How this section is regulated.