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HIF has partnered with leading digital health platform HealthShare to empower our Members to make better informed decisions about their healthcare. Click here to find out more.

Welcome to the Health Insurance Fund of Australia

We're the Health Insurance Fund of Australia, but our friends call us HIF. With our affordable private health insurance cover and our commitment to providing choice, we have a growing number of Members throughout Australia.

But enough about us. Let’s talk about what we can do for you...

Your Health Insurance Choices

Any health insurance fund can talk up their so-called ‘affordable health insurance’. At HIF, we let our private health insurance policies speak for themselves. So, take a look at our Hospital cover options and compare us. Learn about our low-cost Extras cover benefits, then look at the competition. We’ll happily take the taste test with any of the other health insurance funds across Australia. Get an instant quote online today to see how our health insurance stacks up.

A health insurance policy with HIF will give you the peace of mind you need to help cover the cost of any planned or unexpected healthcare treatment. Whether you need health insurance for just yourself, as a couple or as a family; we have three choices to choose from: Hospital only, Extras only or Hospital and Extras combined. We’ll also have you covered if you need health cover as a visitor to Australia or are looking for health insurance cover as part of our corporate health plans.

Hospital Cover Choices

Nobody likes to think about themselves, or their loved ones, falling ill. But it happens. And when it does, it’s good to have options. Our multi-award-winning range of Hospital Cover options insure you for thousands of inpatient services in over 1,300 hospitals across the country. We also have a medical gap arrangement in place with the Australian Health Service Alliance (AHSA) which significantly helps our Members to minimise their medical gap fees and other out-of-pocket health care expenses. If you're planning a family, Hospital Cover with maternity is an even smarter choice for health insurance, providing total peace of mind in a private room with your own choice of obstetrician. We have six outstanding value Hospital Cover choices available, starting from a tiny $1.85 per day.

Find out more Get a Quote

Extras Cover Choices

Mention extras health insurance and people tend to glaze over. It can seem a bit dull. But it’s not. Our Extras Cover is a wonderful thing, supplementing your private hospital cover with handy everyday healthcare services like dental, chiro, optical, physio, osteo, ambulance, pharmacy drugs, podiatry consultations, remedial massage... (take a breath)... acupuncture, skin cancer screenings, weight loss programs, gym memberships, asthmatic spacers, hearing aids, psychology, speech therapy and much, MUCH more. Even better, we don’t restrict our Members to using ‘preferred suppliers’ like some health insurance funds do. So, if you want to visit your favourite dentist, feel free! And with some of the lowest premiums in Australia, our Extras offer great value too. Cover starts from 69 cents a day.

Find out more Get a Quote

Ways to Make a Private Health Insurance Claim

With HIF, you can make a health insurance claim electronically, by our handy HIF Member app , our online Member portal, by email, by fax or by post. It’s quick, easy and you’ll have your rebate in no time. Find out more about our various ways to claim here.

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