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If you're looking for private health insurance in Australia, or exploring flexible coverage options, HIF is here to help simplify the process and provide the information you need.

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Important Policy Information

We know our 'Health Cover Guides' and 'Product Factsheets' won't top your 'best reads', but they’re essential for staying informed about your health insurance policy. Reviewing them annually ensures you're updated on what's covered by your private health insurance. Whether you're comparing the best health insurance options in Australia or seeking comprehensive private health insurance tailored to your needs, these resources provide valuable insights. They also help you make the most of your Australian private health insurance benefits.

Why switch?
How to switch?

We'll take care of all the paperwork for you and we'll even take your previous membership into account when you become an HIF member. That means, if you're switching to us on an equivalent (or lower) level of private health insurance cover, you won't have to re-serve any waiting periods already served with your previous fund. All we need are your details and we can arrange a seamless transfer, pronto, ensuring you can quickly enjoy the benefits of our private health insurance.

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HIF News & Media Releases

Keeping you updated on company announcements, industry news, useful links and exciting sponsorship agreements.

HIF and West Perth Football Club kick off new partnership

HIF partners with mindset health to support members dealing with a range of chronic health conditions

HIF delivers lowest premium increase of all Private Health Funds

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HIF is proud to partner with Valion Health

Supporting HIF members with cancer

We're delighted to partner with Valion Health's Cancer Support Complete Program. Its aim is to improve the quality of life for HIF members who have had a cancer diagnosis. This partnership highlights our commitment to offering health insurance that supports the needs of members facing serious health challenges.

Learn More

HIF health insurance - supporting cancer patient

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How do I become a HIF health insurance member?

Ready to join HIF health insurance? Applying for cover is easy! If you'd like to join online now, the online application process takes approximately 5-10 minutes and we'll do all the associated paperwork for you, including applying for the Australian Federal Government Rebate on Private Health Insurance on your behalf. If you're switching to HIF health insurance from another health fund, we can also contact your old fund on your behalf and request that your policy is cancelled from the date you choose to commence cover with HIF.

What is a Clearance Certificate for health insurance?

When a customer cancels or switches their private health insurance cover to HIF health insurance, we will provide or request from their other insurer, a document called a Clearance Certificate. The certificate provides HIF with all the details we need in order to confirm and finalise the customer's new policy with us, such as: their length of membership with their old fund, their product description, any waiting periods that may still be outstanding on their old policy, previously paid claims in the past 12 months; and any Lifetime Health Cover loading that may apply on hospital cover. The previous fund then has 14 working days to supply the certificate to HIF.

Will you recognise my previous length of membership with another health fund?

Does HIF offer discounts?

Yes, HIF health insurance offers discounts for members who pay for their private health insurance policy upfront. If you pay for your policy 12 months in advance, we'll include a 4% discount - or for six monthly payments, the discount is 2%. If you're already an HIF member and would like to change your payment frequency, simply log-in to our Online Member Centre. Please note: Yearly and half-yearly discounts must be paid upfront and in full for the discount to apply and are not available in addition to any other discount, e.g. corporate or group discount arrangements.

How do I switch my health insurance policy to HIF?

It's great to hear you're planning to switch to HIF health insurance! To authorise us to arrange the transfer on your behalf, simply:

check the box during the online application process
enter the name of your previous health fund
enter the membership number on your old policy

Alternatively, if you're joining over the phone, you can instruct your Sales Consultant to complete the authorisation details for you. Once we have your authorisation, we'll then contact your previous fund and request that they send us what's known as a 'Clearance Certificate'.

The certificate provides HIF with all the details we need in order to finalise your new policy with us, including any waiting periods that may still be outstanding, plus any Lifetime Health Cover loading that may apply. Please note that Australian health funds have up to 14 days to issue Clearance Certificates, so if you would like your old fund to issue your certificate as a matter of urgency, please let us know and we can escalate it as a priority request. Alternatively, you can contact your previous fund yourself and submit a direct request for a certificate to be sent to HIF.

Important, please note: If your partner is switching to HIF health insurance and would like us to cancel their policy with their previous health fund too, they must provide authorisation. To do this simply ensure they have checked the partner authorisation box during the online application process and enter the name of their previous health fund and membership number of their old policy.

When will I receive confirmation of my health insurance policy?

A confirmation email will be sent to your nominated email address upon joining HIF health insurance. This email will welcome you to HIF, and provide you with all the information you need to know about your private health insurance policy. It will then take approximately seven working days for your application to be processed into our system, then a second email will be sent advising you of your HIF member number and confirming your membership details. Please rest assured that you are automatically covered from your chosen commencement date though; the processing of your application is simply an admin requirement at our end in order to activate your membership in our system.

Does HIF cover same-sex couples?

Yes, HIF is committed to providing health insurance coverage for all types of couples and families. We were the first private health insurance fund to add its corporate voice to the Australian Marriage Equality campaign. If you'd like to chat to one of our consultants about joining HIF health insurance, or you'd like to add your partner to your existing policy, please send us an email or call 1300 134 060.

How can I purchase Ambulance only cover?

With regards to ambulance cover, we don’t currently offer ambulance-only insurance. Instead we include it as a standard benefit on all of our Hospital and Extras Cover policies. To find out more visit our Ambulance Cover webpage.

How do I reset my Online Member Centre password?

It's easy! Simply visit our Online Member Centre, click "Forgotten your password" and follow the on screen instructions. You'll then receive an automatic email which contains a link to input a new password.

Do I need to change my cover now that I'm a Permanent Australian Resident?

If you've recently become an Australian permanent resident, congratulations! You're now eligible for full Medicare benefits (so you may want to change your overseas policy to a domestic policy). Please note though, that you must take out a domestic policy within 12 months of your permanent residency being granted in order to avoid Lifetime Health Cover Loading (LHC). To find out more, visit 'Does the Medicare Levy Surcharge affect Overseas Visitors?'.

How do I add Extras to my Hospital cover?

If you'd like to add Extras Cover to an existing HIF Hospital policy, please complete a Variation Form online and email a copy back to us at hello@hif.com.au. Alternatively, please feel free to call us on 1300 134 060.

Can I get a benefit estimate before having treatment?

Yes, absolutely! In fact, we strongly recommend that you do, particularly before committing to any hospital, medical or dental treatment or procedure. To request a benefit estimate in advance, please ask your doctor, specialist or dentist to provide you with a list of the items you'll be billed for (including fees for each item), then complete either our medical or dental estimate online form.

Do you reward member referrals?

Absolutely! Our members mean everything to us (after all the more members we have, the better value we can offer everyone) and the more people we can help to lead healthier lives. That’s why we have a member referral program in place, whereby if you refer someone to HIF and they mention your name at the time of joining, you’ll also receive a $70 eftpos card. There’s also no limit to how many rewards you can earn, so every referral that results in a new policy means another $70 eftpos card for you. Visit our Exclusive Member Rewards page to find out more.

How do I cancel my policy?

We hope you don’t, but if you decide to terminate (or transfer) your HIF policy, that's no problem; it's entirely your choice. We understand that you have your reasons for cancelling and we promise to ensure the process is as easy as possible. To request a policy cancellation, please complete our online cancellation form or call us on 1300 134 060. Before you do though, it may be worth considering the quick points below, just in case any apply to your personal situation (such as financial hardship or suspending while overseas).