I have now had HBA for 4 years, and remember the hassles I use to have with my old provider in years gone past. You don't think about your health insurance unless you need it, and I have to say since my son has need speech theorpy and my husband dental I have had not 1 problem. TOUCH WOOD.

Visited HBA in Chadstone to compare rates with my existing health insurance provider. The service received was excellent, with the consulant offering an exceptional deal. Even better was their offer that covers children for 100% of their normal dental bills with no out of pocket whatsoever! Although haven;t claimed yet, the deal was very competitive, with one months free cover, and wiaving of waiting periods! Overall, very happy!

Approximate cost: $150