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HIF health insurance at a glance

  • HIF private health insurance is a not-for-profit health fund with a members-first philosophy
  • Hundreds of contracted hospitals across Australia
  • AccessGap Cover eliminates or minimises out-of-pocket costs for inpatient medical services
  • Freedom to choose your own provider for extras cover services
  • Australia’s first certified carbon-neutral health fund

About HIF health insurance

HIF started as a small regional health fund in 1954. Since then, they’ve grown to be one of Australia’s leading national not-for-profit health funds. HIF’s priority isn’t to increase profits but rather to help its members lead healthier, happier lives.

What does HIF health insurance cover?

HIF private health insurance offers a range of hospital, extras and combined cover options for a variety of life stages and circumstances. With their combined cover policies, you can combine any level of hospital or extras cover to tailor-make a policy that works for you.

This information is current as of January 2023. For the full details of what’s covered on a HIF health insurance policy, refer to the relevant policy documents.

Hospital cover

HIF hospital insurance covers you for treatment in hospital as a private patient for treatment listed on the Medicare Benefits Schedule (MBS). HIF offers a full range of hospital cover options with Basic PlusBronze, Bronze Plus, Sliver, Silver Plus and Gold tiered policies.

Extras cover

HIF extras insurance covers you for out-of-hospital treatment that Medicare doesn’t pay a benefit towards. You’re also free to see any registered healthcare provider, so there’s no need to find a new dentist, physiotherapist or similar medical practitioner when you switch.

HIF’s dental insurance is designed to reward you for maintaining your dental health by contributing towards the costs associated with popular dental services like oral examinations, scale and cleans, fillings and more. For optical cover, you’re free to use your annual limit however you wish and take advantage of discounts of up to 25% from major optical retailers.

Why choose HIF health insurance?

  • Receive a 2% discount when you pay for six months’ cover in advance or 4% for a whole year
  • Freedom to choose your extras cover health service providers
  • Emergency ambulance services are covered on all extras products.

Frequently asked questions

Is ambulance cover included with HIF health insurance?

Yes, HIF health insurance offers emergency ambulance cover on all their extras cover products. This means you’ll receive 100% back when you need an emergency trip to the hospital. On their Basic extras cover, you’re limited to one trip per year.

For non-emergency ambulance services, you’re covered on all policies except Basic extras. However, you may need to pay a co-payment depending on the level of cover you choose.

Does HIF health insurance cover pre-existing conditions?

Yes, with HIF health insurance, you will be covered for pre-existing conditions, although you may need to serve a 12-month waiting period before you can claim for hospital services relating to your condition. If you’ve already served a waiting period for your pre-existing condition, you won’t need to serve it again when you switch to HIF.

For extras services, a pre-existing condition won’t affect your waiting periods, so you’re free to claim as soon as you’ve served the standard waiting periods.

Does HIF health insurance have waiting periods?

Yes, for hospital cover the waiting periods are standard across all health funds. That’s 12 months for pregnancy and birth and pre-existing conditions (excluding rehabilitation, palliative care and psychiatric services) and 2 months for everything else.

For HIF extras services, the waiting periods range between 2-12 months but may vary between policies. Longer waiting periods are typically reserved for more expensive services that are claimed less often. This is to prevent people from signing up and claiming for high-value items only to cancel their policy immediately afterwards, which would increase premiums for everyone else.

How do I make a health insurance claim with HIF insurance?

When you’re admitted to hospital and claim on your HIF health insurance policy, the hospital will send your bill straight to HIF on your behalf, although you may have to pay an excess on admission. HIF will then arrange the payment of your account and your Medicare benefit. You’ll receive a bill from your provider if there are additional out-of-pocket costs.

For extras services, you can claim on the spot by scanning your HIF membership card at your healthcare provider’s HICAPS machine or through the fast, free and easy-to-use mobile app. You can also fill out a claims form online, by email or through the post.

How can I pay for my HIF health insurance and is it cheaper to pay my premium annually?

You can pay your HIF health insurance premiums through direct debit or with a paper invoice payable online, over the phone, at the post office or by mail. You can choose to pay fortnightly, monthly, quarterly, half-yearly and annually. You can receive a discount of 4% when you pay annually or 2% when you pay half-yearly.

Do I have to pay an excess with HIF health insurance?

Yes, you will likely need to pay an excess if you’re admitted to hospital and claim on your HIF private health insurance, although it will depend on your policy. You can also elect to pay a higher excess in exchange for a lower premium. This may be a good idea if you don’t think you’re likely to go to hospital any time soon.

You will typically only need to pay the excess once per person per calendar year.

How do I cancel my HIF health insurance?

To cancel your policy, you can fill out an online cancellation form or call the HIF team and they will walk you through the cancellation process. However, if you’re cancelling due to financial hardship you might want to consider suspending your membership instead.

You can suspend your membership up to 12 continuous months if you hold a valid Health Care Card. During this time, you won’t have to pay your premiums and you won’t be covered, but you also won’t accrue days without cover toward the Lifetime Health Cover loading.

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