Gold Hospital Cover. Our Comprehensive Hospital Insurance.

Gold Hospital is HIF's top shared-room hospital insurance option, complete with maternity cover. It offers total peace of mind for you and your family, plus a choice of optional excesses to further reduce your premium.

With Gold, you're covered for theatre fees, ward fees and all other services, including up to five days in a private room for maternity visits plus the management of labour and delivery.  

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 HIF Hospital Insurance Cover

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Key questions:

FAQ 1 to 5 of 5


1. What's included in this product?
  • Shared room in a private or public hospital
  • Private room in hospital when a small co-payment is paid
  • Private room in hospital for maternity (up to five days)
  • Maternity
  • Intensive care
  • Theatre care
  • Same-day accommodation
  • Same-day theatre
  • Appliances
  • Prostheses
  • Pharmacy drugs
  • Palliative care (disease)
  • Cardio (heart)
  • Psychiatric care and treatment
  • Joint replacement
  • Assisted reproductive technology (e.g. IVF)
  • Eye surgery (non-cosmetic)
  • Gastric banding and obesity surgery
  • AccessGap Cover
  • Choice of excess

What is AccessGap Cover?

Doctors can charge more than the Medicare Benefits Schedule (MBS). And if they do, their patients without gap cover insurance will incur an out-of-pocket expense for the difference between the fee charged and the MBS. The good news is that AccessGap Cover, our medical gap arrangement, minimises or even eliminates these out-of-pocket expenses for medical services you receive as an in-patient in a registered overnight hospital or day facility. That said, you need to bear in mind that Australian doctors can nominate to opt in or out of AccessGap, so it makes sense to check in advance. View our online list of registered participating AccessGap specialists, or simply ask your doctor or specialist if they will treat you under the AccessGap Cover arrangement.

2. What’s excluded from this product?
  • Cosmetic services*
  • Out-patient services
  • Services not covered by Medicare
  • Ambulance (except for emergency services applicable under NSW & ACT legislation).
* ‘Cosmetic Services’ refers to any treatment that’s deemed to be cosmetic by Medicare and does not attract a Medicare rebate.
3. What excess options are available for Gold?

An excess is the amount you pay towards your eligible hospital treatment, after which we take care of the rest. Your excess only applies to overnight hospital admissions however, and no excess is applicable to dependents under the age of 18.

With Gold Hospital, you can choose to apply no excess to your policy or select from a $100, $200 or $400 excess per person per admission (up to a maximum of $200, $400 and $800 respectively per year).

4. Are there any restrictions?

Just the one, and it relates to surgery by podiatrists. With Gold Hospital, we will pay a basic benefit (known as the public hospital rate) towards accommodation charges associated with surgery by a podiatrist. All other charges raised by the hospital are then paid by the member.

Important, please note: If you’re admitted to hospital and a private room is the only option available, a co-payment per night may apply. This charge will be the difference between your chosen hospital’s shared room and private room rate. To confirm the applicable co-payment (if any), please contact your hospital prior to admission. 

5. What about waiting periods and the pre-existing condition rule?

All health funds have to enforce waiting periods. It’s the only way we can protect our members from people who simply join our fund to claim large amounts and then leave. However, we try to keep waiting periods to a minimum. That’s why, if you switch to HIF from another health fund, we’ll honour your full length of membership with your previous fund, (meaning you won’t have to re-serve any unnecessary waiting periods).

If you aren’t switching from another fund, the waiting periods for Gold are:

  • 2 months for general hospitalisation claims
  • 12 months for all obstetric-related services
  • 12 months for all treatments related to a pre-existing ailment or condition.



Want to know more about Gold Hospital?

No problem – the information here is just a quick overview of our Gold Hospital cover, so we recommend that you read the complete Product Disclosure Statement (PDS) to ensure you’re fully informed. Download one now, or call our friendly team on 1300 13 40 60 for more info.

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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 25.934% 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 2017. Prices may vary for other states and territories.