see-u by HBF
11 open policies in the October 2026 data. Anyone can join.
This insurer operates on a not-for-profit basis.
seeuhealthinsurance.com.au, phone 1300 499 260
- Hospital
- 7
- Hospital and extras
- 0
- Extras
- 4
- Closed to new members
- 29
How its premiums compare in NSW & ACT
see-u by HBF's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BasicHospital only$103.392nd cheapest of 20
- BronzeHospital only$121.79Cheapest of 21
- SilverHospital only$257.1321st cheapest of 21
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Starter Hospital with Daily Co-Pay (Basic), at $103.39 a month before the rebate with a $750 excess: 2nd cheapest of 20 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Saver Hospital with Daily Co-Pay (Bronze Plus), at $121.79 a month before the rebate with a $750 excess: the cheapest of 21 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Premium Hospital Non-Obstetrics (Silver Plus), at $257.13 a month before the rebate with a $750 excess: 21st cheapest of 21 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option.
- NSW & ACT$103.39 to $288.91
- VIC$102.34 to $302.11
- QLD$102.99 to $290.57
- SA$98.81 to $259.59
- WA$78.86 to $237.55
- TAS$103.39 to $270.44
- NT$40.00 to $163.38
- NSW & ACT$17.04 to $56.85
- VIC$17.04 to $55.49
- QLD$17.04 to $55.49
- SA$17.04 to $56.85
- WA$17.04 to $52.72
- TAS$17.04 to $60.12
- NT$17.04 to $52.26
Show the figures
| State | Hospital | Extras |
|---|---|---|
| NSW & ACT | $103.39 to $288.91 | $17.04 to $56.85 |
| VIC | $102.34 to $302.11 | $17.04 to $55.49 |
| QLD | $102.99 to $290.57 | $17.04 to $55.49 |
| SA | $98.81 to $259.59 | $17.04 to $56.85 |
| WA | $78.86 to $237.55 | $17.04 to $52.72 |
| TAS | $103.39 to $270.44 | $17.04 to $60.12 |
| NT | $40.00 to $163.38 | $17.04 to $52.26 |
What see-u by HBF covers, and what it pays back
Hospital
Its seven hospital policies come with a choice of $250, $500 or $750 excess. One of the seven drops the excess for children on the policy. All seven offer the youth discount: up to 10% off for people who join between 18 and 29.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All seven cover emergency ambulance trips only.
Extras
See-u by HBF has four policies with extras, covering anywhere from 6 to 12 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $25.00typical policy $35.20
- $50.00typical policy $66.85
- $35.00typical policy $42.00
Its highest yearly limits for a single
- General dental$700typical policy $800
- Major dental$600typical policy $1,000
- Optical$200typical policy $220
- Physiotherapy$300typical policy $450
- Chiropractic$300typical policy $400
- Psychology$200typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 7
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Starter Hospital with Daily Co-Pay (Basic) | Basic | $40.00NT | All | $750 |
| Starter Hospital (Basic) | Basic | $42.19NT | All | $750 |
| Saver Hospital with Daily Co-Pay (Bronze Plus) | Bronze Plus | $59.00NT | All | $750 |
| Saver Hospital (Bronze Plus) | Bronze Plus | $61.26NT | All | $750 |
| Smart Hospital (Bronze Plus)Only sold with particular other policies | Bronze Plus | $66.12NT | All | $750 |
| Secure Hospital (Silver)Only sold with particular other policies | Silver | $85.52NT | All | $750 |
| Premium Hospital Non-Obstetrics (Silver Plus) | Silver Plus | $131.37NT | All | $250, $500, $750 |
Extras policies 4
| Policy | From | Sold in | Services |
|---|---|---|---|
| Easy Extras | $17.04NSW & ACT | All | 6 |
| Starter Extras | $25.87NSW & ACT | All | 8 |
| Simple 50Only sold with particular other policies | $30.84NT | All | 12 |
| Simple 60Only sold with particular other policies | $52.26NT | All | 12 |
see-u by HBF also has 29 older policies (798 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about see-u by HBF
- Who can join see-u by HBF?
- Anyone can join. see-u by HBF sells 11 policies to new members (7 hospital-only and 4 extras-only), going by the October 2026 data.
- How much is see-u by HBF hospital cover?
- Its cheapest hospital policy for a single is $40.00 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does see-u by HBF pay for a dental check-up?
- Up to $25.00 for a check-up (dental item 012) on its Easy Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.