Why is HIF the smart choice for health cover?
HIF can help you wherever you are
Health Insurance Fund of Australia (HIF) is proudly Australian. Since beginning in 1954, we have grown into a provider of high quality health insurance solutions to around 50,000 people across all age groups. Most of our members live in WA, but we also cover individuals, couples and families from every other state and territory of Australia.
How can HIF deliver value for money?
HIF is an open access, not-for-profit health fund. Any surpluses we derive belongs to our members, and ultimately, are returned to members through lower premiums, new and better rebates and improved customer service. We regularly improve benefits, we keep a “tight lid” on premiums and we don’t spend $millions on advertising. Our best recruitment tool is member word of mouth.
Our key priorities are personalised service and member choice
We don’t function like the big health funds that are often characterised by their “corporate business” cultures. HIF members see us as the
smart choice because we simply concentrate on providing affordable health cover, giving access to a great range of hospital and ancillary treatments and services and delivering friendly, quality customer service.
Our expertise and focus is health insurance and wellness
Whilst we provide members access to other services, including travel, car and home insurance, we do not pressure you to take up any of these services, nor do we try to hassle you by trying to “up-sell” you to health covers you don’t need or want. Our key priority is your health insurance and wellness needs.
HIF delivers superior low-cost service through being flexible and efficient
We have a dedicated team of employees who work in our Perth office. We don’t have a fleet of expensive and often unproductive branches. We believe investment in smart electronic claims processing solutions, like our
HIF Fast-Track, HICAPS or IBA claiming options and other forms of electronic communication are more convenient for members and are far more cost-effective than spending millions on maintenance hungry bricks and mortar.
Choice of provider
HIF strongly believes in preserving members’
right of choice. That’s why we don’t have contracted provider agreements like many of the big funds. If you were a member of one of these funds and your family dentist didn’t want to be locked into a contract with them, the fund would penalise you when they rebate your family dentist’s fees. That’s not fair! At HIF, we pay the same great rebate no matter who our members choose to see. Ask the Australian Dental Association (WA)
why HIF is the only health fund to be publicly applauded for its stand on contracted dentists.
Commitment to our environment
We also have a strong community focus. That’s why we are
Australia’s first and only certified Carbon Neutral (NoCo2) health fund. This is not lip service, HIF actually gives back to the community by purchasing carbon credits that are used to reduce carbon emissions for the benefit of our future generations.
Take a look at who and what we are involved with.Commitment to the community
HIF is proud to support The Amanda Young Foundation, a not for profit charity organisation dedicated to reducing deaths from meningococcal disease as well as supporting the development of young people into future leaders. The Foundation was formed in 1998 after the tragic death of Amanda Young from meningococcal septicaemia at the tender age of 18 years.
HIF provides the Foundation with accommodation and resources as well as HIF staff administration and accounting support to enable the Foundation to focus on saving lives through raising awareness, providing education and funding of research.
Learn more about The Amanda Young Foundation here.