Find an AccessGap Doctor or Specialist

First up, what is AccessGap cover?

Doctors can charge more than the Medicare Benefits Schedule (MBS) and if they do, their patients will incur an out of pocket expense for the difference between the fee charged and the MBS. The good news is that HIF’s medical gap cover arrangement, AccessGap, is designed to minimise or eliminate these out of pocket expenses for medical services whilst an in-patient in a registered overnight hospital or day facility.

Australian doctors can nominate to opt in or out of the AccessGap, which may mean that if you choose an AccessGap doctor you can have lower out-of-pocket costs. It is advisable to ask each doctor or specialist if they will treat you under the AccessGap arrangement. To be eligible for AccessGap Cover the doctor/s must be willing to participate for your particular surgery and the account must be lodged directly with HIF (not Medicare).

Search for your nearest AccessGap doctor.

A list of registered participating specialists is available below.

Key questions to ask EACH doctor.

  • Will you treat me under AccessGap cover?
  • Will I have any out-of-pocket expenses, and if so, can you provide a written estimation of how much?
  • Will any assisting doctors also use AccessGap Cover and if so, how can I obtain a quote for their services?
  • Are you prepared to send your bill directly to HIF?
  • Am I having a surgically implanted device or prosthesis?
  • Will I have to pay a gap?

If you have any queries about AccessGap or need expert assistance, please call us on 1300 13 40 60 or email

Request a rebate estimate prior to receiving treatment.

Before undergoing any hospital treatment, we strongly recommend that you complete our online Medical Estimate Form (or call us on 1300 13 40 60) to receive a rebate estimate so you know exactly what your gap, if any, might be.

Search online now.

This search functionality has been provided to HIF by the Australian Health Service Alliance (AHSA).

Please note that benefits may be payable for services provided by doctors who are not included on the search below. Please contact us if you cannot identify the doctor or specialist you are seeking.

Need to make a claim? 

Making a health insurance claim at HIF is as easy as falling off a log (only far less painful). In fact, the toughest bit is choosing from our host of convenient ways to make your claim – by email, in person, by fax or instantly with ancillary e-claiming. In any case, it’s quick, easy and you’ll have your rebate in no time.

To find out more, visit our How to Claim page.