GoldStarter Hospital Cover. Our Basic Hospital Insurance.

GoldStarter Hospital is HIF's entry-level private hospital insurance option. It covers all the hospital essentials and is great value for money, especially if you can make a tax saving.

GoldStarter is for anyone really, but it's a particularly great choice if you're younger and less likely to require things like maternity services and cardio thoracic (heart and chest procedures, like heart bypass surgery and coronary care). 

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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
  • Intensive care
  • Theatre care
  • Same-day accommodation
  • Same-day theatre
  • Appliances
  • Prostheses
  • Pharmacy drugs
  • AccessGap Cover

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?
  • Obstetrics (maternity)
  • Assisted reproductive technology (e.g. IVF)
  • Gastric banding and obesity surgery
  • Cardiac (heart) conditions, procedures or monitoring*
  • Eye surgery
  • Joint replacement
  • Cosmetic services^
  • Out-patient services
  • Services not covered by Medicare
  • Ambulance (except for emergency services applicable under NSW & ACT legislation).
Please note:
* This includes things like heart bypass surgery, angiograms and coronary care.
^ ‘Cosmetic Services’ refers to any treatment that’s deemed to be cosmetic by Medicare
3. What excess applies for GoldStarter?

An excess is the amount you pay towards your eligible hospital treatment, after which we take care of the rest.

For GoldStarter, there’s a standard $200 excess per person per admission (up to a maximum of $400 per year).

4. Are there any restrictions?

With GoldStarter, we pay a basic benefit (known as the public hospital rate) towards accommodation charges* for the following services:

  • Palliative care
  • Psychiatric treatment
  • Rehabilitation

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. 

*All other charges raised by the hospital during the stay will be paid by the member.

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 with GoldStarter are:

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


Want to know more about GoldStarter?

No problem – the information here is just a quick overview of our GoldStarter 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.