The prominent headline stating HBF has the lowest average premium increase for two years in a row.

The ad opens with a teal background and text highlighting HBF's low average premium increase. A cartoon quokka wearing a foam finger pointing upwards appears on the right. A bar chart is revealed on the left, showing premium increases for different health funds. HBF is shown with the lowest increase at 2.15%, followed by the industry average at 4.41%, Bupa at 4.80%, HCF at 4.96%, Medibank at 5.10%, and NIB at 5.47%. The quokka remains on screen, and a 'Join today' button appears. The HBF logo is visible in the bottom right corner.