Protect Your Health & Wellbeing with HIF
HIF (Health Insurance Fund of Australia) is a trusted private health fund serving Australians for over 65 years. As a not-for-profit organisation, HIF is dedicated to offering affordable and comprehensive health insurance solutions to its members.
Renowned for its financial stability and reliability, HIF prioritizes transparency and ethical practices, giving members confidence that their health insurance needs are managed responsibly and with care.
Why Choose HIF?
Wellness Support
Benefit from programs designed to promote healthy lifestyles and overall wellbeing.
Preventive Care Programs
Stay ahead with services and initiatives focused on prevention and early detection.
Wide Provider Network
Access a large network of hospitals, specialists, and allied health professionals for quality care.
Flexible Coverage Options
Choose plans tailored to your needs, whether for individuals, families, or couples.
Quick Claims Processing
Enjoy fast and hassle-free claims for a smoother healthcare experience.
Member-Focused Service
Receive personalised support and guidance from a dedicated customer care team.
Our Health Fund Partners
Ready to Get Covered?
Health Insurance FAQs
What is the Medicare Levy Surcharge?
The MLS is an additional tax of 1-1.5% for high-income earners who don’t have private hospital cover. Having hospital cover can save you money if you earn above the threshold.
What are waiting periods?
Waiting periods are the time you must wait before you can claim benefits. Most funds have 2 months for extras, 12 months for pre-existing conditions, and 12 months for pregnancy.
Can I claim on day one?
For accidents, you can usually claim immediately. For general treatments, you’ll need to wait until your waiting periods have been served.
What is Lifetime Health Cover?
LHC means if you don’t take out hospital cover by July 1 after your 31st birthday, you’ll pay 2% extra on your premiums for every year you delay, up to a maximum of 70%.