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HIF Health Insurance Review

Megan Fraser Fact Checked Updated: 22 June 2023
Types of Health Insurance

Choosing the right health insurance provider is crucial when safeguarding your health and well-being. HIF Health Insurance has emerged as a leading name in the industry, offering a range of comprehensive coverage options designed to prioritise your individual and family needs. With a steadfast commitment to delivering outstanding customer service and an extensive network of healthcare professionals, HIF Health Insurance provides the assurance and financial security you might be looking for.

What sets HIF Health Insurance apart from its competitors is its unwavering dedication to putting the needs of its policyholders first. One of the unique aspects of HIF Health Insurance is its focus on providing affordable and customisable coverage options that cater to individual preferences. With flexible plans and add-ons, policyholders can tailor their insurance to meet their healthcare requirements.

Key facts

  • HIF Health Insurance offers comprehensive coverage options tailored to individual and family needs.
  • They provide affordable and customisable coverage options, allowing policyholders to tailor their insurance to meet specific healthcare requirements.
  • HIF Health Insurance focuses on exceptional customer service and has an extensive network of healthcare professionals.
  • HIF offers a range of coverage options, including Hospital cover, Extras cover, and Combined cover.
  • Ambulance coverage is a standard benefit on any Extras policy purchased from HIF.
  • Advantages of HIF include wide coverage options, affordable premiums, flexible policy options, no-gap dental and optical benefits, and strong customer service.
  • HIF generally provides coverage for adult dependents, including domestic partners, children, stepchildren, and legally adopted children.

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Health insurance from HIF

Founded in Western Australia in 1954, the nonprofit Health Insurance Fund of Australia (HIF) boasts approximately 120,000 members and is considered Australia’s first certified carbon-neutral health fund. As part of Members Health, an alliance of nonprofit and mutual health funds, HIF offers a comprehensive range of coverage options, including Hospital cover, Extras cover, and Combined cover. With a commitment to exceptional service and environmental responsibility, HIF Health Insurance provides a unique and socially conscious approach to prioritising the well-being of its members.

Compare policies from HIF

Hospital PolicyPremium per monthExtras PolicyPremium per month
Basic Plus Hospital $750/$1500$113.05Basic Extras$34.00
Bronze Hospital $750/$1500$130.35Value Extras$44.15
Bronze Plus Hospital $750/$1500$133.05Simple Extras$53.25
Silver Hospital $750/$1500$166.75Essential Extras$66.60
Silver Plus Hospital $750/$1500$224.45Advanced Extras$97.85
Gold Top Hospital Excess $750/$1500$287.00Top Extras$133.55

Source: (May 2023; Premium estimates for a single individual living in NSW with full or interim Medicare; Please note premium estimates do not include any rebates or insurer discounts)

ambulance hif

HIF Hospital policies by tier

Basic Hospital

HIF offers the Basic Plus Hospital plan for basic hospital cover, with an average monthly premium of $113.05. This policy provides essential coverage for hospital expenses, including accommodation, theatre fees, and medical treatments.
Cover includes:

  • Hernia and appendix
  • Joint reconstructions
  • Tonsils, adenoids and grommets

Bronze Cover

HIF offers a range of policy options to meet your healthcare needs, and their Bronze hospital cover includes four distinct plans. One of the options is the Bronze Hospital plan, which comes with a $750/$1500 excess. With an average premium per month of $130.35, this policy provides essential coverage at an affordable cost. The Bronze Plus Hospital plan is another alternative, featuring the same excess of $750/$1500 but with a slightly higher average premium per month of $133.05.

  • Bone, joint and muscle
  • Eye (not cataracts)
  • Miscarriage and termination of pregnancy
  • Brain and nervous system
  • Gastrointestinal endoscopy
  • Pain management
  • Breast surgery (medically necessary)
  • Gynaecology
  • Skin
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Hernia and appendix
  • Tonsils, adenoids and grommets

HIF Silver Hospital

HIF offers a range of comprehensive hospital cover options, including their Silver Hospital policies. With four policy options to choose from, HIF caters to different healthcare needs and budgets. One such option is the Silver Hospital $750/$1500 plan, which provides quality coverage at an average premium of $166.75 per month.
Treatments covered include:

  • Back, neck and spine
  • Eye (not cataracts)
  • Miscarriage and termination of pregnancy
  • Blood
  • Gastrointestinal endoscopy
  • Pain management
  • Bone, joint and muscle
  • Gynaecology
  • Pain management with device
  • Brain and nervous system
  • Heart and vascular system
  • Palliative care
  • Breast surgery (medically necessary)
  • Hernia and appendix
  • Plastic and reconstructive surgery (medically necessary)
  • Cataracts
  • Implantation of hearing devices
  • Podiatric surgery (provided by a registered podiatric surgeon – limited benefits)
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Joint reconstructions
  • Rehabilitation

HIF offers a comprehensive Gold hospital cover that provides individuals with exceptional healthcare benefits and peace of mind. With two policy options available, one of them being the Gold Top Hospital Excess $750/$1500, HIF ensures that their members receive high-quality medical care.
Benefits of this policy tier include:

  • Insulin pumps
  • Rehabilitation
  • Dental surgery
  • Joint reconstructions
  • Skin
  • Diabetes management (excluding insulin pumps)
  • Joint replacements
  • Sleep studies
  • Dialysis for chronic kidney failure
  • Kidney and bladder
  • Tonsils, adenoids and grommets
  • Digestive system Lung and chest Weight loss surgery
  • Ear, nose and throat
  • Male reproduction

HIF Ambulance cover

HIF Health Insurance offers comprehensive coverage for ambulance services, albeit not in the form of standalone ambulance-only cover. Instead, ambulance coverage is a standard benefit on any Extras policy purchased from HIF. This means that policyholders can enjoy the peace of mind of having ambulance services covered as part of their broader health insurance plan.

Pros and cons of HIF


  • Wide range of coverage: HIF offers a comprehensive range of coverage options, including hospital stays, surgeries, specialist consultations, prescription medications, and preventive care. 
  • Affordable premiums: HIF offers competitive premium rates, making it an affordable option for individuals and families seeking health insurance coverage. 
  • Flexible policy options: HIF allows policyholders to tailor their coverage based on specific needs. 
  • No-gap dental and optical benefits: HIF provides no-gap benefits for certain dental and optical services, meaning you won’t have any out-of-pocket expenses for these treatments within their network of providers.
  • Strong customer service: HIF is known for its excellent customer service. They have a team of knowledgeable representatives who can help answer your questions, guide you through the claims process, and provide support when needed.
  • Access to a network of healthcare providers: HIF has a network of healthcare providers, including hospitals, doctors, specialists, and allied health professionals.


  • Waiting periods: Like most health insurance providers, HIF has waiting periods for certain services, particularly for pre-existing conditions or specific treatments. 
  • Potential exclusions and restrictions: HIF, like any other health insurance provider, may have certain exclusions and restrictions in their policies. 
  • Premium increases: Health insurance premiums are subject to change and may increase over time. 
  • Limited additional benefits: While HIF offers comprehensive coverage for hospital and medical services, the range of additional benefits, such as alternative therapies or wellness programs, may be limited compared to other health insurance providers.

Does HIF cover adult dependents?

HIF generally provides coverage for adult dependents. This includes domestic partners, children, stepchildren, and legally adopted children under 21, unmarried, and not in a de facto relationship. It also covers student dependents under 25, unmarried, not in a de facto relationship, and enrolled in a full-time course at a recognised educational institution.

Why should I choose this insurer? 

HIF Health Insurance is an excellent choice for several reasons. They have a strong reputation, offering flexible coverage options and competitive pricing. Their focus on customer satisfaction ensures reliable service and transparent pricing. Additionally, their dedicated team provides exceptional customer service. Fill in the quote form above to learn more about HIF and their insurance plans, and a specialist will assist you.

Frequently Asked Questions and Answers

  • What does HIF stand for?

    HIF stands for The Health Insurance Fund of Australia. It is a government-owned healthcare provider that has been delivering coverage for over fifty years. The organisation was originally known as the Western Australian Government Railways Employees Hospital and Medical Fund Inc., but it changed its name to honour Australia’s history of supporting those in need with tax revenues from mining exports on January 1st 2017.
  • How do I claim from HIF?

    To claim HIF, there are several convenient options available. Firstly, you can claim immediately using the online electronic claiming system called HICAPS or iSOFT. By swiping your HIF membership card, you can settle your account instantly, although you may be required to pay any remaining balance. Another option is to claim online through HIF’s Online Member Centre, where you can submit your claim and view the estimated benefit payable. Alternatively, you can use the HIF mobile app to submit your claims anytime, free of charge for members. If you prefer traditional methods, you can complete a HIF claim form and email a scan to [email protected]. Lastly, you can download and fill out a HIF claim form from their website and send it by post to HIF, GPO Box X2221, Perth, WA 6847.
  • Is HIF not for profit?

    Yes, this healthcare insurance fund is not-for-profit and returns profits to its members. HIF is a unique health insurance fund that covers people from all over Australia. You don’t need to be located in WA or owned by an Australian citizen; you just have your card and are good for coverage.
  • How do I cancel my HIF policy?

    To cancel your HIF policy, you can follow a simple process. Firstly, it is recommended to review the terms and conditions of your policy to understand any specific cancellation requirements or notice periods. You can proceed with the cancellation once you are familiar with the necessary steps. The most common method is to contact HIF directly through their customer service hotline or email their dedicated cancellation department. During this communication, you must provide your policy details and clearly express your intention to cancel the policy. The HIF representative will guide you through the remaining process, including completing a cancellation form or providing any additional information they may require. It’s important to remember that cancelling your policy may have financial implications or potential consequences, so it is advisable to thoroughly consider your decision and seek clarification from HIF regarding any concerns or queries before proceeding with the cancellation.
  • Does HIF Health Insurance cover pre-existing conditions?

    HIF Health Insurance’s coverage for pre-existing conditions may vary depending on your selected policy and terms. In general, health insurance providers often have waiting periods for pre-existing conditions, which means that coverage for such conditions may not be immediate. It is recommended to review the policy documentation carefully or contact HIF directly to understand their specific approach to pre-existing conditions.

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