Choose health insurance cover that meets your needs

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.

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.

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. 

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.

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.