What If

you could claim on your Extras straight away?

Take out an Extras policy now and we’ll waive the 2-month waits*

Join or switch today

*Terms and conditions apply. Only available for eligible products.

 

Join or switch today 

Take out any eligible Extras policy by 30 April 2026 and claim no 2-month waits on Extras!*

That means you can claim straight away on general dental, optical, chiro, physio and much, much more!

Enter promo-code 2M at the checkout to claim this offer.

Get a quote

Please allow up to 14 days for processing to reflect your offer on your membership.

 

Why Choose HIF

  • Not for profit and member focused Our priority is to look after the health and wellbeing of our members, not to maximise profits.
  • Total freedom to choose your own Extras provider You have a total freedom to choose your own registered dentist, optician, physiotherapist, chiropractor and other Extras providers.
  • Alternative healthcare options Access alternative health care options through our exclusive partnerships.

 

 

 

Need help choosing health insurance cover?

You'll find the different ways to chat to us here

Connect with us on our socials

  

 

Terms and Conditions

* Terms and Conditions for the 
“No 2-Month Waits on Extras (2M)” 
Promotion (Offer)

The promoter is Health Insurance Fund of Australia Limited ACN 128 302 161 of 100 Stirling Street, Perth, Western Australia 6000 (HIF). 

Eligibility

1.    This offer starts on Sunday 1 February 2026 at 12:01am and closes on Thursday 30 April 2026 at 11.59pm (WST) (Offer Period).

2.    Your policy start date must start no later than the Offer Period.

3.    This offer is only available to a person (including Dependants coming off a family policy) who purchases an Eligible Product and pays by Direct Debit for fortnightly, monthly, quarterly, six-monthly or annual payment frequencies (Eligible Member). 

4.    This offer is available during the Offer Period to Eligible Members by:

i. applying promo code 2M through the HIF website at hif.com.au at the time of joining; or

ii. by calling 1300 134 060 and mentioning promo code 2M at the time of joining. 

5.    This offer is only available for the following Extras covers:

i. Extras: Basic, Value, Simple, Essential, Advanced, Top.
(Eligible Product). 

6.    This offer is not available to:

i. existing members who take out 

- Combined Hospital and Extras, or

- Packaged cover, or

- Hospital only, or

- Extras only; or 

ii. members who take out Overseas Visitors cover; or

iii. former members who have held an HIF policy within the 12 months prior to the Offer Period; or

iv. members who join by broker, intermediary or corporate partner; or 

v. HIF directors, employees or contractors. 

7.    This offer cannot be used in conjunction with any other offer or discount from HIF, except where those offers or discounts explicitly state. 

Offer

8.    This offer is for a waiver of the 2-month waiting periods on Extras cover on an Eligible Product. 

9.    Eligible Members must maintain their Eligible Product (and be financial) for 60 consecutive days from the policy start date to be eligible to receive the 2-month Extras. 

10.  Eligible Members who purchase an Eligible Product and qualify for this offer, but cancel their policy within 60 days of joining will have the 2-month Extras waiting periods re-applied to their policy. 

11.  This offer is not redeemable for cash, transferrable or exchangeable. 

12.  To the extent permissible by law, HIF may amend, cancel or suspend all or part of this offer. 

Privacy

13.  Our Privacy Policy outlines how your personal information is handled and the steps we take to ensure the privacy of your personal information, which is available on our website at www.hif.com.au/privacy. 

Previous Offer Periods

Terms and Conditions for the Offer Period 1 August 2025 to 31 October 2025

 

Insurance

Extras Cover

Useful Links

HIF

HIF proudly supports:
  • Waalitj Logo
  • Australian Marriage Equality Logo
  • Perth Wildcats Logo
  • SportsFM logo
  • WPFC Logo
Health Insurance Fund of Australia Limited (HIF)
Whadjuk Country, 100 Stirling Street, Perth WA 6000
ABN 84 607 276 950
100% for members
Finder Award 
© 2026   HIF - Health Insurance Fund of Australia | Made by Clue with Mintox

    Ask us a question
    Enter a question or keyword. eg. 'What is..', 'How do I..'

    Looking for something else? Browse the HIF Knowledge Base

    Close
    Schedule a call-back
    Please be aware that the selected time will be WA local time