A quokka wearing a cone of shame.

The ad opens with a quokka wearing a cone of shame on a sandy beach. A fairy quokka appears, transforming the first quokka with a magical glow. The fairy quokka then flies away, and the ad shows a close-up of a health insurance card. The two quokkas are shown together again, with the text "HBF makes it doable." appearing. The ad ends with the HBF logo and a call to action.