see-u by HBF
Secure Hospital $750 Excess (Silver)
see-u by HBF
How $129.79 is worked out
- Premium as filed - $171.04 a month
- Government rebate - 24.1% of the premium (never of the loading): -$41.25
- A month - $129.79
Go to insurer no commission on this policy
Hospital: what is covered
Covered (27)
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Tonsils, adenoids and grommets
Restricted (2)
- Hospital psychiatric services
- Palliative care
Not covered (9)
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $750 per admission. $750 per person a year. $1,500 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Offered for 18 to 29 year olds
- Accident cover - Yes
- Travel and accommodation benefits - No
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day.
Agreement hospitals in South Australia
see-u by HBF has agreements with 35 private hospitals here, as filed with the Ombudsman.
The list
- Adelaide Day Surgery - Adelaide (day hospital)
- Adelaide Surgicentre - Kent Town (day hospital)
- Ashford Hospital - Ashford
- Bedford Day Surgery - Clarence Gardens (day hospital)
- Brighton Day Surgery - Brighton (day hospital)
- Brighton Dialysis Clinic - Hove (day hospital)
- Burnside Hospital Stepney - Stepney
- Burnside Hospital Toorak Gardens - Toorak Gardens
- Calvary Connery Centre - Elizabeth Vale (day hospital)
- Calvary North Adelaide Hospital - North Adelaide
- Dextra Surgical - Norwood (day hospital)
- Eastwood Private Hospital - Eastwood
- Flinders Private Hospital - Bedford Park
- Genesiscare Western Hospital - Henley Beach (day hospital)
- Glenelg Community Hospital Inc - Glenelg South
- Glenelg Day Surgery - Glenelg (day hospital)
- Griffith Rehabilitation Hospital - Hove
- Hamilton House Day Surgery - Cumberland Park (day hospital)
- Icon Cancer Centre Adelaide - Kurralta Park (day hospital)
- Memorial Hospital - North Adelaide
- North Adelaide Day Surgery Centre - North Adelaide (day hospital)
- North Eastern Community Hospital - Campbelltown
- Northern Endoscopy Centre - Salisbury South (day hospital)
- Oromax Day Surgery - Kent Town (day hospital)
- Parkview Day Surgery - Eastwood (day hospital)
- Payneham Dialysis Clinic - Payneham (day hospital)
- Ramsay Clinic Adelaide - Gilberton
- Ramsay Day Clinic Kahlyn - Magill (day hospital)
- Repromed Day Surgery - Dulwich (day hospital)
- Southern Endoscopy Centre - Somerton Park (day hospital)
- St Andrew's Hospital Inc - Adelaide
- Stirling Hospital Inc - Stirling
- The Tennyson Centre Day Hospital - Kurralta Park (day hospital)
- Vista Day Surgery - Wayville (day hospital)
- Western Hospital - Henley Beach
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | $750 | $305.16 |
| NSW | My family | $750 | $305.16 |
| NSW | Just me | $750 | $152.58 |
| NSW | Me and my children | $750 | $244.13 |
| NT | Me and my partner | $750 | $171.04 |
| NT | My family | $750 | $171.04 |
| NT | Just me | $750 | $85.52 |
| NT | Me and my children | $750 | $136.83 |
| QLD | Me and my partner | $750 | $326.44 |
| QLD | My family | $750 | $326.44 |
| QLD | Just me | $750 | $163.22 |
| QLD | Me and my children | $750 | $261.15 |
| SA | Me and my partner | $750 | $323.76 |
| SA | My family | $750 | $323.76 |
| SA | Just me | $750 | $161.88 |
| SA | Me and my children | $750 | $259.01 |
| TAS | Me and my partner | $750 | $328.32 |
| TAS | My family | $750 | $328.32 |
| TAS | Just me | $750 | $164.16 |
| TAS | Me and my children | $750 | $262.66 |
| VIC | Me and my partner | $750 | $336.90 |
| VIC | My family | $750 | $336.90 |
| VIC | Just me | $750 | $168.45 |
| VIC | Me and my children | $750 | $269.52 |
| WA | Me and my partner | $750 | $272.32 |
| WA | My family | $750 | $272.32 |
| WA | Just me | $750 | $136.16 |
| WA | Me and my children | $750 | $217.86 |
Member retention (hospital cover)
88.4% is the Commonwealth Ombudsman's figure for HBF, the insurer of see-u by HBF, in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement H31/DCHQ20, filed by see-u by HBF, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.