Hospital Cover

Choose from our popular range of hospital cover options, including Australia's lowest priced hospital insurance for tax savings.

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 health funds? But relax. It’s really not that complicated or expensive. Read on to see if private hospital cover is for you and, if so, which option suits your needs (and budget).

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HIF PRIVATE HOSPITAL COVER OPTIONS

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 insurance options. So ask yourself, would you like to be able to choose your own preferred private or public hospital, doctor or specialist? You would? In that case, the next question is... What level of private hospital insurance cover do you need?

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

HIF GoldVital Private Hospital Cover - From $1.17 daily HIF GoldStarter Private Hospital Cover - From $1.53 daily HIF GoldSaver Private Hospital Cover - From $2.36 daily HIF Gold Private Hospital Cover - From $2.58 daily HIF GoldStarPrivate Hospital Cover - From $2.87 daily

GoldVital Hospital
is available to singles and couples who mainly wish to be covered for vital medical treatment for accidental injuries*. It also covers the surgical removal of wisdom teeth, tonsils, adenoids and appendix along with minor gynecological procedures^. GoldVital is excellent value if you want to make a tax saving by avoiding the Medicare Levy Surcharge

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

GoldSaver Hospital 
is our intermediate 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 (including up to three days in a private room) but are less likely to require cardio thoracic (heart /chest) procedures or joint replacement surgery. 

Gold Hospital
is our award winning* top shared room hospital insurance cover.  With Gold hospital, 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.

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 worries Just total peace of mind for you and your family.

Excess Information: 
GoldVital Hospital comes with a standard $500 excess per person per admission (up to a max' of $1000 per year).
 


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


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


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Excess Information: 
Gold 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).


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


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