Hospital cover options.

Quality private hospital cover that
is affordable for all Australians.

We know that choosing private hospital insurance cover can be confusing. Which fund should you choose? What level of cover? Will hospital cover cut your tax bill? How easy is it to switch providers? But relax. It’s really not that complicated or expensive (we have Australia’s lowest premiums). Read on to see if private hospital cover is for you and, if so, which option suits your needs.

First up, do you need private hospital insurance?

Nobody likes to think about themselves, or their loved ones, falling ill. But it happens. And when it does, it’s good to have options. So ask yourself, would you like to be able to:

Choose your preferred private or public hospital;
Choose the doctor or specialist you want;
Choose a private hospital room (rather than a shared room); and
Feel safe in the knowledge you’re covered for things like accommodation, in-patient services and theatre room fees?

You would? In that case, the next question is…

What level of private hospital cover do you need?

We like to make everything as easy and straightforward as possible at HIF. So here is an at-a-glance rundown of our four levels of hospital cover:


GoldStarter Hospital is our entry-level private hospital insurance cover, a smart choice if you’re younger and less likely to require things like maternity and cardio-thoracic procedures. It covers all the essentials and is great value for money too (especially if you can make a tax saving – try our handy tax calculator to find out). Excess Information: GoldStarter Hospital comes with a standard $200 excess per person per admission (up to a max' of $400 per year).	GoldSaver Hospital is our intermediate hospital cover and is a step up from GoldStarter. It's great for young couples and families who are likely to need things like maternity cover but not services such as cardio-thoracic and joint replacement surgery. It's very affordable and may even help you avoid paying extra tax Excess Information: GoldSaver Hospital comes with a standard $200 excess per person per admission (up to a max' of $400 per year).	Gold Hospital is our award winning* top shared room hospital insurance cover. You're fully covered for theatre fees, ward fees and all other services. It’s especially great if you’re planning on having a baby, because our maternity cover includes up to five days in a private room at no extra cost. Excess Information: Gold Hospital can be taken with nil excess or a choice from $100, $200 or $400 per person per admission (up to a max' of $200, $400 and $800 respectively per year).	GoldStar Hospital is our premium hospital insurance cover, with all the bells and whistles. You’re fully covered for everything, including a private room for all services, theatre fees and all ward fees. No exclusions. No co-payments. Just total peace of mind for you and your family. Excess Information: GoldStar can be taken with nil excess or a choice from $200, $400 or $500 per person per admission (up to a max' of $400, $800 and $1,000 respectively per year).

GoldStarter Hospital
is our entry-level private hospital insurance cover, a smart choice if you’re younger and less likely to require things like maternity and cardio-thoracic procedures. It covers all the essentials and is great value for money too (especially if you can make a tax saving – try our handy tax calculator to find out).

Excess Information:
GoldStarter Hospital comes with a standard $200 excess per person per admission (up to a max' of $400 per year).

GoldSaver Hospital is our intermediate hospital cover and is a step up from GoldStarter. It's great for young couples and families who are likely to need things like maternity cover but not services such as cardio-thoracic and joint replacement surgery. It's very affordable and may even help you avoid paying extra tax

Excess Information:
GoldSaver Hospital comes with a standard $200 excess per person per admission (up to a max' of $400 per year).

Gold Hospital is our award winning* top shared room hospital insurance cover. You're fully covered for theatre fees, ward fees and all other services. It’s especially great if you’re planning on having a baby, because our maternity cover includes up to five days in a private room at no extra cost.

Excess Information:
Gold Hospital can be taken with nil excess or a choice from $100, $200 or $400 per person per admission (up to a max' of $200, $400 and $800 respectively per year).

GoldStar Hospital is our premium hospital insurance cover, with all the bells and whistles. You’re fully covered for everything, including a private room for all services, theatre fees and all ward fees.
No exclusions. No co-payments. Just total peace of mind for you and your family.

Excess Information:
GoldStar can be taken with nil excess or a choice from $200, $400 or $500 per person per admission (up to a max' of $400, $800 and $1,000 respectively per year).

Get a quick quote.

Take a look at our Private Hospital Insurance Cover comparison table or use our interactive product selector to get a quote. Alternatively, download our brochure or get in touch – we’re always happy to explain how our private hospital insurance cover works, wherever you are in Australia.

Hospital Cover Options

Award winning hospital cover for growing families.

In the June 2011 edition of The Australian Financial Review's “Smart Investor” magazine, HIF's Gold Hospital Nil Excess product was awarded "Best Hospital Plan for Growing Families" in NSW and ACT.