Hospital Cover Comparison Table.

Use this comparison table to compare our five popular hospital cover choices, and choose an option that suits your needs & budget. 

HOSPITAL ACCOMMODATION COVER GoldStarter GoldStarter GoldSaver Gold GoldStar
Shared room - all services
Private room - all services  (co-payment)  (co-payment)  (co-payment)
Private room - maternity services  (3 days)  (5 days)  (unlimited)


SERVICES COVERED GoldStarter GoldStarter GoldSaver Gold GoldStar
Same-day accommodation
Same-day theatre
Theatre care
Intensive care
Removal of tonsils & adenoids
Pharmacy drugs (in-patient)
AccessGap cover
Joint reconstruction
Minor gynaecological services *
Hospital charges for surgical removal of wisdom teeth
Hospital treatment as the result of an accident ^
Palliative care   (restricted) (restricted)
Rehabilitation  (restricted) (restricted)
Ear, nose & throat
Back surgery
Maternity services
Psychiatric care & treatment (restricted) (restricted)  (restricted)
Joint replacement  (restricted)
Eye surgery (non-cosmetic)  (restricted)
Assisted Reproductive Technology (e.g. IVF)  (restricted)  
Cardiac (heart)  (restricted)
Gastric banding and obesity related services
Choice of excess

To reduce your premium, you may choose from the following excess options:

  • $100pp to a max of $200 
  • $200pp to a max of $400
  • $400pp to a max of $800 

To reduce your premium, you may choose from the following excess options:

  • $200pp to a max of $400 
  • $400pp to a max of $800 
  • $500pp to a max of $1000 
Automatic access to HIF Second Opinion 
*Important: If you hold HIF's GoldVital Hospital Cover a benefit for minor gynaecological services will only apply for same day procedures.
^ An accident means an unforeseen event, occurring by chance and caused by an external force or object which results in an injury to the body requiring immediate medical treatment in hospital within 24 hours of the accident. If further hospital treatment (as an admitted patient) is required, the patient must be re-admitted to a hospital within 90 days of the initial hospital treatment.

Important, please note:

  • Co-payment - this means a private room is available for a small co-payment. Please call us on 1300 13 40 60 for more information.
  • Restricted - this means a basic public hospital rate will be paid for accommodation and all other charges raised during the stay, and out-of-pocket expenses will be paid by the member. 
  • Cardiac (heart) procedures - this includes medical treatment or surgical procedures for cardiac conditions such as, arrhythmias, artery bypass grafts, coronary angioplasty, congenital defects, heart disease, heart transplants, pacemakers and defibrillators, and stent insertion. Please contact us prior to admission to confirm benefits payable.
  • Some waiting periods and the Pre-existing Condition rule may apply.
  • Where a service is deemed by Medicare to be cosmetic and / or does not attract a Medicare rebate, all charges raised in association with the hospital stay will not be eligible for payment.
  • For full details of product inclusions, exclusions, restrictions, waiting periods, benefit limitation periods, the pre-existing condition rule, co-payments, excesses, annual limits and other important information, please download a Product Disclosure Statement or call 1300 13 40 60 to request a copy to be mailed to you.

Request a Callback

If you'd like to speak to one of our consultants in person about cover options, simply email or phone us on 1300 13 40 60 and we'll be happy to assist. Alternatively, complete the quick form below and we'll call you at a time that suits. After all, what's important to you is important to us, and we want to ensure you're 100% happy with your decision.

Please provide some quick info so we're ready to answer your enquiry when we call