Hospital. We ve covered all the important details of your Hospital policy.

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1 Hospital We ve covered all the important details of your Hospital policy.

2 Contents 4 Hospital benefit checklist 5 Waiting periods 5 All about claiming 5 Before you claim 5 Making your claim 6 Hospital benefits 6 Accommodation 6 Theatre 8 Medical 8 Pharmacy 8 Prostheses 9 Maternity 10 HBF Member Plus hospitals 11 GapSaver 11 Ambulance Plus 12 Your questions answered 14 Your rights and obligations 16 Your privacy Thank you for choosing HBF to look after the one thing important to us all our health. About HBF Hospital cover HBF Hospital gives you cover for admission into private hospitals. This means you can: Avoid public hospital waiting lists Choose your own doctor Access private room accommodation We have a range of cost-effective hospital cover to ensure you re well looked after no matter where you are in life: Young Saver Hospital Healthy Saver Hospital Mid Hospital Top Hospital Why you should read this brochure It s important to fully understand all the details of your health cover. This brochure gives an overview of what is included on your HBF Hospital cover. We recommend you read it carefully and keep it handy for future reference. Please call us on before arranging treatment to confirm what you are covered for. 3

3 Hospital benefit checklist Waiting periods Benefits for agreed services at HBF Member Plus hospitals 1 Cover for over 5000 medical procedures, including ear, nose and throat procedures, knee and shoulder reconstructions, and chemotherapy Young Saver Hospital Healthy Saver Hospital Mid Hospital Top Hospital Pre-existing ailments or conditions^ Please see below Maternity Other hospital treatments Including surgical 12-month waiting period 12-month waiting period 2-month waiting period Fully covered for a private room Urgent ambulance Cover for urgent ambulance transport 7-day waiting period Fully covered for a private room for maternity patients ^Pre-existing waiting period does not apply for psychiatric care, rehabilitation or palliative care Fully covered for a shared room Cataract and eye lens procedures Heart treatment Joint replacement surgery (partial or total) Rehabilitation Maternity and birth-related services Assisted reproductive services (including IVF) Psychiatric care 3 3 Theatre fees Urgent ambulance 5 Excess Choose no excess, $250 or $500 No excess Choose no excess, $250 or $500 Choose no excess, $250 or $500 All about claiming Before you claim The table above shows the waiting periods that apply before you can receive benefits. These waiting periods also apply when transferring to a product with higher benefits. In these circumstances the benefits will be paid at your previous level of cover, if you have served your waiting periods at that level. If you re switching to HBF from another health insurer, you won t need to re-serve waiting periods you have already completed with your previous insurer. If you re moving from a level of cover with an excess to a level of cover without an excess, you ll still need to pay the excess if you re admitted to hospital during the waiting period. Pre-existing ailments or conditions This is an illness or condition which, in the opinion of an independent medical practitioner (appointed by HBF), was known to exist, or where signs or symptoms were evident during the six month period before you became an HBF member, including on the day you joined. This also applies if you transferred to a level of cover with higher benefits. If you proceed with a hospital admission without confirming what benefits you re eligible for and your condition is determined to be pre-existing, you will be required to pay all outstanding hospital and medical charges not covered by Medicare. Making your claim Most hospitals and medical practitioners bill HBF directly. But if you need to make a hospital claim, just contact us and we ll be able to help. Please note: No benefit is payable for hospital treatment where a Medicare benefit is not payable (except certain dental and podiatry surgery where HBF will pay a benefit for accommodation and hospital costs). 1 For more information on HBF Member Plus hospitals and services agreed to at these facilities please see page 10 or contact us. 2 Benefits for rehabilitation services related to restricted or excluded procedures will be limited. 3 Limited hospital benefits apply therefore significant out-of-pocket costs may be incurred. 4 No benefit for procedures that are restricted or excluded on your level of cover. 5 We will cover the cost for urgent ambulance transport by road for circumstances classified by the state ambulance provider as requiring urgent attention. 4 5

4 Hospital benefits Here s a guide to the hospital expenses you can receive a benefit towards. This information is in regards to treatment covered on your policy for agreed services at HBF Member Plus hospitals. Accommodation Theatre Medical Pharmacy Prostheses Accommodation When you go into hospital, regardless of whether you have a procedure or not, you will in most cases be charged for a hospital room. Top and Mid Hospital You re fully covered for a private or shared room. Healthy Saver and Young Saver Hospital You re fully covered for accommodation in a shared room. If shared accommodation isn t available, you may need to pay the additional cost between the shared and private room rate. Hospital excess If you re on HBF Top, Mid or Young Saver Hospital cover, you have the option of adding an excess to reduce your premiums. The excess is payable once per member per calendar year (to a maximum of twice per family policy) no matter how many times you may be hospitalised. You won t be required to pay an excess for any dependent children on your family policy. The excess options are shown in the table on page 4. The fees charged for your room in a private or public hospital The fees charged for the theatre in which your procedure is performed The fees charged by your surgeon, anaesthetist and pathologist The fees for some of the non-pbs pharmaceuticals administered during your hospital stay The fees charged for prostheses used during your procedure Hospital boarders If you need someone to stay with you while you re in hospital, we will fully cover the charge for a hospital boarder whose presence is necessary to the management of your condition. Long stay patients After 35 days of continuous hospitalisation (and if you no longer need acute care) the hospital must classify you as a nursing home type patient. If this happens, we can only pay a small portion of the fee per day and you will be required to contribute towards the cost of your care. If you are in a private hospital these costs may be quite substantial. Theatre HBF members with Hospital cover policies are fully covered for theatre costs at HBF Member Plus hospitals, except for treatments restricted or excluded on your policy (see page 4 for treatments covered, restricted and excluded for each cover type). Public hospitals do not charge theatre fees. Please note, there will be out-of-pocket expenses for procedures being performed using robotics. 82% of in-hospital medical treatments in WA are fully covered which means if you need to go to hospital, you re not likely to have to pay a gap for your procedure. 6 7

5 Medical If your medical practitioner (your surgeon, specialist or anaesthetist for example) charges more than the Medicare Benefits Schedule (MBS) fee, there ll be a gap that you ll need to pay to the doctor. We may cover all, some or none of this gap, depending on the agreement we have with the doctor. The doctor will fall into one of three categories: 1. Fully covered: These practitioners are fully covered by Medicare and your HBF cover, so you won t have anything to pay. 2. Known-gap: In most instances, these practitioners have agreed to charge a fixed amount above the MBS fee. We ll cover some of this gap, but you may also have an out-of-pocket expense. However, for some procedures, known-gap doctors might opt to charge above the agreed amount (in these instances, you ll have to pay all expenses above the MBS fee). Known-gap practitioners should provide you with details of out-of-pocket expenses prior to performing the procedure. 3. No agreement: If you use a no agreement provider, you ll have to pay all costs above the MBS fee. Many surgeons work with a preferred anaesthetist and may also use an assistant. Speak with your doctor prior to your procedure to find out who will be involved in your surgery, so you can check with us whether your surgeon and any supporting medical practitioners will be covered. Pharmacy When you are admitted into hospital for a procedure, it s likely that you ll be given medication. We may pay a benefit towards the cost of non-pbs prescription pharmaceuticals administered during a hospital stay. Pharmacy limits, restrictions and a $100 co-payment may apply. Please contact us to find out more. Prostheses Prostheses are the surgically implanted devices you may need if you have a procedure such as joint replacement or heart treatment. All levels of HBF Hospital provide cover for prostheses as long as you are admitted to hospital for the procedure and the item is listed on the government Prostheses List. However, you won t receive a benefit for prostheses implanted during a procedure that is specifically excluded from your level of cover or if your procedure doesn t have an MBS item number. Most prostheses are fully covered, however some have an out-of-pocket expense. We suggest you discuss the choice of prosthesis with your medical practitioner. How do I find out if I am fully covered for my prosthesis? It is important to talk to your medical practitioner to find out whether a prosthesis will be used during your procedure. Once you have confirmed this, you will need to know the item number and charge for the prosthesis and the item number of the procedure you will be having. When you have this information, simply contact HBF. Members on Top and Healthy Saver Hospital can receive benefits for maternity services in HBF Member Plus hospitals. Maternity Accommodation and labour ward Top and Healthy Saver Hospital You re fully covered for labour ward and accommodation fees in a private room in a Member Plus hospital (less any excess). Cover for your baby If you re already on family cover, you won t need to pay anything additional to add your newborn to your policy. However, if you re currently on a single or couple policy and want your newborn to be covered for benefits from birth, you ll need to add your baby to your policy within two months of your baby s birth date. Parent plus or family premiums will apply from the baby s date of birth. Newborn babies Newborn babies are not considered to be patients in a hospital for the first nine days, unless they are admitted to a special care facility, or the baby is part of a multiple birth. Breastfeeding support You may be able to access a lactation service through your hospital and we will pay a benefit towards this as part of your hospital stay. 8 9

6 HBF Member Plus hospitals HBF Member Plus hospitals provide great value for our members. In Member Plus hospitals you ll be covered for accommodation and theatre fees, less any agreed excesses for all agreed services. HBF non-member Plus hospitals It s important to stay at an HBF Member Plus hospital, otherwise you may have significant out-of-pocket expenses. We recommend that before arranging a hospital stay, you call us on to find out if you are being admitted to an HBF Member Plus hospital and to confirm what you are covered for. Please also remember, all benefits are subject to any restrictions or exclusions on your chosen level of cover. Non-agreed services in HBF Member Plus hospitals While most services are covered in all Member Plus hospitals, there may be some services that are not we refer to them as non-agreed services. It s important to check that your required service is covered by HBF before going to hospital to avoid any significant out-of-pocket expenses. A personal visit in hospital Our hospital liaison officers visit most HBF members staying overnight in HBF Member Plus private hospitals. They can explain your hospital cover and answer any other queries you may have. So you have help when you need it most. GapSaver and Ambulance Plus can be added to your Hospital policy to minimise your out-of-pocket expenses or provide cover for non-urgent ambulance transport. GapSaver GapSaver can be added to your HBF Package as a way of putting money aside to help cover out-of-pocket expenses in hospital or for an Extras or Wellness service. GapSaver benefits accrue quarterly and you can use the benefits you ve accrued for as long as you have HBF health cover (they don t expire each year). Only GapSaver benefits accrued at the date of service can be used towards your claim. If you re eligible for the Australian Government Rebate, you could accrue more GapSaver benefits than you ll pay in premiums. This makes GapSaver a great way to reduce your healthcare costs. There are four levels of GapSaver cover to choose from. Singles Couple/family $100 $200 $200 $400 $400 $800 $600 $1200 Here s an example of how GapSaver could work when you visit an HBF Member Plus dentist: Total bill $200 HBF covers $120 Out-of-pocket expense $80 Your GapSaver benefits at time of appointment $100 GapSaver payment $80 Remaining GapSaver benefit $20 Total amount you pay $0 Ambulance Plus HBF members with Hospital cover can choose to add the extra protection of Ambulance Plus. This provides cover for non-urgent ambulance care in WA, subject to availability. Benefits are capped at $3000 per person per year. Please be aware that if you are an Aged Pensioner you may not need Ambulance Plus cover due to the WA State Government s provision of free ambulance services. There s a 30-day waiting period for Ambulance Plus

7 Your questions answered To what age are my children covered? On most family policies, your children will be covered at no extra charge up until the end of the year they turn 18, unless they re married or in a de facto relationship. Cover may then be continued up to the age of 25, provided they are not married or in a de facto relationship and are either studying fulltime or not earning more than $21,250 per calendar year. If you are on a single policy, you will have to transfer to a parent plus or family policy to add your child. Am I covered outside Australia? No Australian health fund is legally permitted to pay benefits for any medical treatment or services provided outside Australia. You may want to take out HBF travel insurance (generous discounts apply for every HBF member) if you are travelling overseas. If you are going to be away for longer than two months you can suspend your health cover membership without losing any benefits or having to re-serve waiting periods when you return. It won t cost you anything to suspend your cover, and you won t need to pay for your health insurance while you re out of Australia. Some conditions apply so please contact us for details. Are there any exclusions on benefits? What if I change my mind? We want you to be sure that you ve chosen the policy that best suits your needs, so you have a 30-day cooling-off period from the date you join or change cover. During this time, you may receive a full refund for any premiums you ve paid as long as you haven t made a claim. Do I have to use my HBF cover in a public hospital? No. As a patient in a public hospital, you can choose to be treated as a private or public patient if you have private health insurance. A public patient s accommodation and treatment are provided without charge. However, if you choose to be a public patient you will be treated by a medical practitioner assigned by the hospital. You should also be aware that the allocation of private rooms in public hospitals is decided according to clinical need. As a private patient in a public hospital, you may incur some out-of-pocket expenses for medical services and/or accommodation. Am I covered around Australia? You ll be covered wherever you are in Australia. As different states have varying medical costs, premiums are a reflection of the state you reside in. Before arranging a hospital stay, it s always a good idea to get a quote from your doctor or specialist and contact us to see how much will be covered by your HBF health insurance. Please call us for more information or visit hbf. com.au/australia. There are a few circumstances under which HBF will not pay a benefit: If your membership is unfinancial at the time of treatment or service On claims covered by worker s compensation, third party or other legal right For treatment or services required by your employer or potential employer to be provided to you as a condition of your employment or by your insurer as a condition of your policy For treatment or services provided outside of Australia For care and accommodation in nursing homes Before a treatment or service has been received If a claim is not lodged within two years of the date of service For hospital treatment that is not eligible for a Medicare benefit, such as cosmetic surgery For outpatient services What if I m not eligible for Medicare? If you aren t eligible for Medicare, you will experience large out-of-pocket hospital and medical expenses with our HBF Hospital cover. You may wish to consider HBF overseas visitor cover which provides benefits for services Medicare would normally cover. Please contact us or visit hbf.com.au for more information

8 Your rights and obligations When we provide you with products and services we believe you should have access to information about your rights and obligations. The following pages explain some of your key obligations and rights, as well as HBF s obligations to you. You ll also find information about how we operate and how we collect information. Specifically, this information will help you to understand the Private Health Insurance Code of Conduct, how we protect your privacy, where you can access more information and how to raise a concern or make a complaint. HBF Fund Rules All registered health funds are required to have fund rules under the Private Health Insurance Act These Fund Rules set out the general principles and rules of membership under which each fund conducts its business. When you take out private health insurance with HBF, you become a member of our fund and you agree to our Fund Rules. As a member of HBF, you have rights and obligations concerning your health insurance policy and membership. It s important that you re aware of the contents of the Fund Rules as they form the terms and conditions of your policy, so please ensure you read them. We recommend that these Fund Rules be read together with your Policy Certificate and the brochures relevant to your cover. To obtain the HBF Fund Rules, visit hbf.com.au/fundrules or contact us on Private Health Insurance Code of Conduct HBF is a signatory to the Private Health Insurance Code of Conduct (the Code). The Code is designed to help you by providing clear information and transparency in your relationships with health funds. The Code covers four main areas of conduct in private health insurance. They are: People selling private health insurance are properly trained. Members are aware of the internal and external dispute resolution procedures available in the event that they have a dispute with their health fund. Policy documentation contains all the information that members require in a way that enables them to make a fully informed decision about their purchase. Members purchasing health insurance from persons other than the health funds employees understand the nature of the arrangement between the fund and the person selling the insurance on the fund s behalf. HBF s obligation to you under the Code We will endeavour to: work towards improving the standards of practice and service within HBF, provide information to our members in plain language, promote better informed decisions about our private health insurance products and services: -- by ensuring that our policy documentation is full and complete, -- by providing an effective and clear verbal or written explanation of the contents of the policy documentation, and -- by ensuring that our employees providing information on health insurance are appropriately trained, provide information to members on their rights and obligations under their relationship with HBF, including information on the Code, and provide members with easy access to our internal dispute resolution procedures, which will be undertaken in a fair and reasonable manner, and advise them of their rights to take an issue to an external body, such as the Private Health Insurance Ombudsman. How the Code helps HBF members Apart from promoting improved standards in clarity and usefulness of information given to members, the Code is designed to help solve problems between members and HBF. HBF has a complaints handling process for members who may have a dispute with us. Examples of disputes include: contents of advertising by HBF, You can access HBF s complaint handling process by visiting your nearest HBF branch, by contacting an HBF member service advisor on , or by writing to us at GPO Box C101, Perth If you re not satisfied with the outcome of your concern you can ask to have it reviewed by the internal dispute resolution process. Complaints should be addressed to: HBF Dispute Manager GPO Box C101, Perth 6839 Phone: Fax: (08) If a resolution is still not reached to your satisfaction you can: contact the Private Health Insurance Ombudsman by ringing toll free on , or by writing to Suite 2, Level 22, 580 George Street, Sydney NSW 2000, forward the problem to a health care complaints commission or fair trading body in your state of residence, or report HBF s behaviour to the Australian Competition and Consumer Commission. Your documentation All documentation regarding your policy is important. Please read it carefully and contact us if you require any further information. Please keep your policy certificate in a safe place for future reference. How can I get a copy of the Code? A full copy of the Code is available at privatehealth.com.au/codeofconduct or by calling HBF on representations made to the member when they purchased a product, features of their product, and benefits paid under their product

9 Your privacy We are HBF Health Limited ABN which provides private health insurance (under the brands HBF Health and GMF Health). References to HBF us, we or our include HBF, HBF Health, GMF Health, and other business names, and where the context requires, other related bodies corporate (collectively HBF). At HBF, we comply with the Privacy Act 1988 (Cth) (Privacy Act). We respect the privacy of your personal information. We process personal details on a daily basis and are committed to ensuring that the privacy and security of personal information remains protected. Personal information is information or an opinion about an individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, or is recorded in a material form or not. It includes your name, age, gender and contact details as well as your sensitive information (which includes health information). Collection, use and disclosure of your personal information HBF collects and uses your personal (including sensitive) information (Information) to provide you with private health insurance and health and wellness related services, including to: manage our ongoing relationship with you; administer, process and audit private health insurance premiums and claims and pay benefits; assess your suitability for, enrol you in and administer health and wellness related services such as chronic disease management programs and health management programs; provide you with access to smartphone applications and website portals in relation to managing your health, your private health insurance membership and your relationship with us; conduct market research that informs the strategic direction of HBF, by seeking to understand ways to improve the health of members, the effectiveness of marketing activities, the member experience and the products and services HBF offer; manage, review and develop our private health insurance products and related services whether provided by us or other parties on our behalf; manage, review, develop and improve our business and operational processes, including training and systems, provided by us or other parties on our behalf; resolve any legal and/or commercial complaints or issues including compensation recovery; prevent, detect and follow up fraudulent or invalid claims or misrepresentations; meet legislative requirements relating to private health insurers; and perform any of our other functions and activities relating to our private health insurance and health and wellness businesses. HBF may collect your Information from you, the person responsible for the management of your private health insurance membership (Principal Policyholder) or a person authorised to provide us this information on your behalf in order to, amongst other things, provide you with private health insurance cover and pay you benefits. HBF may also collect your Information from one of its related bodies corporate (in order to, amongst other things, investigate potential fraudulent claims and misrepresentations) or a third party such as a health service provider, broker or employer (in order to, amongst other things, provide you with private health insurance cover and pay you benefits). HBF also engages third parties to carry out functions on behalf of HBF (such as claims administration, membership management services, facilitators to organise and manage hospitals, doctors and health service providers, providers of claims advice and chronic disease management program providers) and they may collect your Information from you and pass this Information to HBF. In order to carry out the purposes described in this statement, HBF may disclose your Information to persons or organisations such as: other related bodies corporate; our brokers and agents who refer your business to us; our service providers (who may provide some services directly to you on our behalf) including mailhouses, market researchers, manufacturers of membership cards, claim administrators, claim auditors, claim advisers, our membership management service providers, the facilitators of our arrangements with health providers and IT support (including by way of cloud computing); our professional advisors; health and wellness service providers (such as hospitals, our pharmacies, general practitioners, allied health providers, and chronic disease and health management program providers); payment system operators and financial institutions; persons authorised by you, including other persons covered by your private health insurance membership, and your agents and professional advisors such as legal practitioners; if you have a compensation claim, the insurer or statutory body responsible for paying your compensation claim or compensation recovery organisations; if you have an overseas visitors product, your educational institution, migration agent or broker; if you have a corporate private health insurance product, your employer; regulatory bodies and government agencies (such as the Department of Health & Ageing, the Private Health Insurance Ombudsman and Medicare Australia); parties involved in a prospective or actual transfer of any part of our assets or business; and other parties to whom we are authorised or required by law to disclose information. These third parties may also collect your Information directly from you. HBF may transfer your Information overseas in the following circumstances. At your request, HBF may provide a transfer certificate or claims history containing your Information to an overseas insurer nominated by you. By making such a request, you give consent for your Information to be transmitted overseas in these circumstances. HBF also sometimes use service providers who either host or store personal information overseas. This means HBF may transfer Information about you between countries to those service providers for the purposes described in this statement. In the event HBF transfers your Information outside Australia, we will comply with the requirements of the Privacy Act that relate to transborder data flows. If you are not the Principal Policyholder of your private health insurance membership, HBF may also disclose your personal information to the Principal Policyholder as part of administering the membership and paying benefits. This may include the disclosure of sensitive information about benefits claimed by you under your policy. If the Principal Policyholder has authorised his/her spouse/partner to administer the private health insurance membership, HBF may disclose the Principal Policyholder s Information to his/her spouse/partner. If you do not provide Information requested of you to HBF, we may be unable to provide you with private health insurance cover, pay you benefits, assess or waive lifetime health cover loading or apply an entitlement to the Australian Government rebate on private health insurance as a premium reduction

10 Marketing HBF may use your Information to contact you (including by telephone call, text message or ) in relation to other products or services we think may be of interest to you. This may include our own products and services, the products or services of any related bodies corporate or the products or services of third parties. By way of example, HBF may contact you in relation to a general insurance offering that we think may be of interest to you. Personal information is shared between related bodies corporate. Related bodies corporate may use your Information to contact you (including by telephone call, text message or ) in relation to their products or services or the products or services of third parties. HBF and its related bodies corporate may contact you about products and services we think may be of interest to you during the period you are a private health insurance member and after you cease your private health insurance membership. For example, if you cease your private health insurance cover with us, HBF may contact you about its private health insurance offering under other brands such as GMF Health. You may opt-out of receiving marketing information from HBF and its related bodies corporate at any time by: For HBF: calling us on ; ing us on ticking the box on the relevant form when you apply for a product or service. For GMF Health: calling us on ; ing us on ticking the box on the relevant form when you apply for a product or service. Please allow five working days for your request to be actioned. Service Related Communications Where you provide us with an address or use our member web portals myhbf or mygmf, we send most service-related communications to you by or those web portals. Service-related communications are the essential things you need to know about your cover, like annual tax statements and changes to premiums and policy details. You can manage how we communicate with you by contacting us as detailed in the previous section. If you are the Principal Policyholder As the Principal Policyholder, you must ensure that your spouse/partner and dependant children (if any) are aware of, and consent to, how their Information is handled under this Privacy Statement and the HBF Privacy Policy (current as at 1 July 2015) which can be accessed at (Privacy Policy). You and your spouse/partner and dependant children (if any) should not provide us with any Information unless you and they consent to it being handled in accordance with this Privacy Statement and the Privacy Policy. By: taking out or maintaining your private health insurance policy; or providing your Information to HBF, or you or your spouse/partner and/or dependant children (if any) providing their Information to HBF, for whatever purpose, you consent to, and warrant that your spouse/partner and/or dependant children have consented to, HBF collecting, using and disclosing your and their Information, however collected by us, in accordance with this Privacy Statement and the Privacy Policy. Access to your information and contacting us HBF will allow you to access and correct personal information we hold about you as required by law. If you have any queries about how HBF handles your personal information, or would like to request access to that information, please contact us: By mail - HBF Privacy Officer, GPO Box C101, Perth WA 6839; or By telephone If you have any concerns or complaints about the manner in which your personal information has been collected or handled by HBF, please contact the Privacy Officer using the details above. The Privacy Policy contains further information about how HBF generally handles your personal information including: how you can access and correct personal information we hold about you; and how you can submit a privacy complaint to HBF and how HBF will deal with your complaint

11 Ni hao! Go to hbf.com.au Visit a branch Mon to Fri: 9am to 5pm Sat: 9am to 12.30pm* Call us Mon to Fri: 7am to 6pm Sat: 8am to 2pm Postal address GPO Box C101 Perth 6839 Stay in touch Find us at HBF Health Metropolitan branches Perth 96 William St Belmont Belmont Forum Booragoon * Garden City Cannington * Carousel Fremantle Corner Market St and High St Mall Mandurah 32 Pinjarra Rd Midland * Midland Gate Morley * Galleria Rockingham * Rockingham Subiaco 142 Rokeby Rd Success Cockburn Gateway We speak your language If English is not your first language, our multilingual team is fluent in many languages including Mandarin, Cantonese and Hindi. Call us on Hillarys Whitford City Innaloo Innaloo Joondalup * Lakeside Joondalup Shopping City Karrinyup * Karrinyup Regional branches Albany 21 Albany Hwy Bunbury 12 Arthur St Busselton 2/90-92 Queen St Geraldton Northgate Even the healthiest bodies need looking after. HBF is the Official Health Partner of WA s favourite teams, the Fremantle Dockers and the West Coast Eagles. HBF Health Limited ABN The information in this brochure is correct at time of print. Minor changes may have occurred since that date. If major changes occur, the brochure will be replaced. Details of any minor changes can be obtained from HBF on request. HI /07/15

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