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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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.
































































































































































































































































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 hospital 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 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 (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 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 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).

Full Details

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

Full Details

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

Full Details

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).

Full Details

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).

Full Details































































































































































































































































































































































































































































































































Important, please note: For full details of HIF's Hospital Cover product inclusions, exclusions, excesses, restrictions, waiting periods, the pre-existing condition rule, co-payments, FAQs and other important information, please explore our website, download a Product Disclosure Statement or call 1300 13 40 60.































































































































































































































































































































































































































































































































Get a quick quote.
































































































































































































































































Take a look at our 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.































































































































































































































































































































































































































































































































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































































































































































































































































































































































































































































































































Please note: The daily pricing above is based on a single policy in WA which has the highest hospital excess applied and is paid by direct debit on an annual basis after deducting a 26.791% Australian Government Rebate and a 4% annual discount. Depending on your current household income, the rebate you can claim may be reduced. This pricing is correct as of 1 April 2016. Prices may vary for other states and territories. 
































































































































































































































































* An accident is 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.
































































































































































































































































^ Benefits will be paid for Same Day Procedures only for minor gynaecological procedures.