Choose health insurance cover that meets your needs

Yes. We cover all types of couples and families, and we were the first private health fund to add its corporate voice to the Australian Marriage Equality campaign. If you'd like to chat to one of our consultants about joining HIF, or you'd like to add your partner to your existing policy, please send us an email or call 1300 134 060.

 

Ready to join HIF? Applying for cover is easy! If you'd like to join online now, the online application process takes approximately 5-10 minutes and we'll do all the associated paperwork for you, including applying for the Australian Federal Government Rebate on Private Health Insurance on your behalf. If you're switching to HIF from another health fund, we can also contact your old fund on your behalf and request that your policy is cancelled from the date you choose to commence cover with HIF.

When a customer cancels or switches their health cover to HIF, we will provide or request from their other insurer, a document called a Clearance Certificate. The certificate provides HIF with all the details we need in order to confirm and finalise the customer's new policy with us, such as:  their length of membership with their old fund, their product description, any waiting periods that may still be outstanding on their old policy, previously paid claims in the past 12 months; and any Lifetime Health Cover loading that may apply on hospital cover. The previous fund then has 14 working days to supply the certificate to HIF.

A confirmation email will be sent to your nominated email address upon joining HIF. This email will welcome you to HIF, and provide you with all the information you need to know about your policy. It will then take approximately seven working days for your application to be processed into our system, then a second email will be sent advising you of your HIF member number and confirming your membership details. Please rest assured that you are automatically covered from your chosen commencement date though; the processing of your application is simply an admin requirement at our end in order to activate your membership in our system. 

Absolutely! When you switch to HIF on an equivalent (or lower) level of cover, we will recognise your waiting periods meaning you won't need to re-serve any waiting periods already served with your previous fund. Here's some other key things you need to know before switching. To ensure that all your existing benefits and previously served waiting periods are recognised by HIF, you must switch within 2 months of leaving your previous health fund and provide HIF with a clearance certificate from your previous fund. For more information on switching, please click here.

If you pay for your policy 12 months in advance, we'll include a 4% discount - or for six monthly payments, the discount is 2%. If you're already an HIF member and would like to change your payment frequency, simply log-in to our Online Member Centre. Please note: Yearly and half-yearly discounts must be paid upfront and in full for the discount to apply and are not available in addition to any other discount, e.g. corporate or group discount arrangements.

With regards to ambulance cover, we don’t currently offer ambulance-only insurance. Instead we include it as a standard benefit on all of our Hospital and Extras Cover policies. To find out more visit our Ambulance Cover webpage.