I have HBF. On a Smart Saver Twinpack. It includes stuff like maternity and ancillary products, but does not include things like hip replacements or cataracs, so your not paying for insurance that you'll not use at your stage in life. They have other twin packs for other stages. Might be they have one relevant to you!

It was quite simple with the twin packs
Young person = Young Single Saver Twin Pack
Young couple = Smart Saver Twin Pack
Mature couple = 55Plus Twin Pack

Glen.