What's great about Basic Plus Hospital insurance?

Ideal for singles and couples, Basic Plus Hospital covers just that – the basics – but it includes more than your regular Basic hospital insurance. With Basic Plus, you'll get:
 

  • Emergency private room accommodation

    Get emergency private hospital care if you have an accident

  • A reduced tax bill

    If you're earning $90,000 as a single or $180,000 as a couple, you can avoid the Medicare Levy Surcharge (MLS) by taking out private hospital cover.

  • Additional services

    Be covered for treatments such as the surgical removal of tonsils, adenoids and appendix, hernia and appendix and joint reconstruction surgery

 

Basic hospital cover
with a bit extra

Want basic health insurance that will reduce your tax bill and cover you for emergencies, along with some other nice-to-have extras? Then welcome to our Basic Plus Hospital cover.

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What's included?

Take a look at our Basic Plus Hospital fact sheetHospital Cover comparison table or the overview below.

Key:
  • Included
  • Restricted
  • Excluded

Private hospital - private room

This provides cover for the cost of a private room in an HIF-contracted private hospital anywhere in Australia.

Private hospital - shared room

This provides cover for the cost of a shared room in an HIF-contracted private hospital anywhere in Australia.

Public hospital - shared room

This provides cover for the cost of a shared room in a public hospital anywhere in Australia.

Tonsils, adenoids and grommets

Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.

Joint reconstructions

Hospital treatment for surgery for joint reconstructions.

For example: torn tendons, rotator cuff tears and damaged ligaments.

Joint replacements are listed separately under Joint replacements.

Bone fractures are listed separately under Bone, joint and muscle.

Procedures to the spinal column are listed separately under Back, neck and spine.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Hernia and appendix

Hospital treatment for the investigation and treatment of a hernia or appendicitis.

Digestive conditions are listed separately under Digestive system.

Choice of hospital excess

On all Hospital covers, Members can select from a range of excess options to reduce their premium. Please see the table further down this page for a full comparison, or refer to the individual product factsheets for more details on the excesses that apply.

AccessGap Cover

Did you know... doctors can charge more than the Medicare Benefits Schedule (MBS)? And if they do, their patients will incur an out of pocket expense for the difference between the fee charged and the MBS. The good news is that HIF’s medical gap cover arrangement, AccessGap, is designed to minimise or eliminate these out of pocket expenses for inpatient medical services in a registered overnight hospital or day facility.

Mental Health Navigator

Mental Health Navigator is a discreet, quick and confidential service that provides an expert review of your mental health diagnosis plus and ongoing treatment plan with support. It provides access to a network of 50,000 leading Australian-based clinical psychologists, psychiatrists and mental health nurses who will review your current condition (and when needed) modify your diagnosis.

Rehabilitation

Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.

Please note: This is a ‘restricted’ service which means that you can claim benefits for accommodation at the basic public hospital rate only.

Hospital psychiatric services

Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.

For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.

Please note: This is a ‘restricted’ service which means that you can claim benefits for accommodation at the basic public hospital rate only.

Palliative care

Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

Please note: This is a ‘restricted’ service which means that you can claim benefits for accommodation at the basic public hospital rate only.

 

What's excluded?

Private hospital - private room - maternity

Unlimited private room cover for the management of labour and delivery of a child in an HIF-contracted private hospital anywhere in Australia.

Brain and nervous system

Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.

Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Eye (not cataracts)

Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.

For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.

Cataract procedures are listed separately under Cataracts.

Eyelid procedures are listed separately under Plastic and reconstructive surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Ear, nose and throat

Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.

The implantation of a hearing device is listed separately under Implantation of hearing devices.

Orthopaedic neck conditions are listed separately under Back, neck and spine.

Sleep studies are listed separately under Sleep studies

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Bone, joint and muscle

Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.

Chest surgery is listed separately under Lung and chest.

Spinal cord conditions are listed separately under Brain and nervous system.

Spinal column conditions are listed separately under Back, neck and spine.

Joint reconstructions are listed separately under Joint reconstructions.

Joint replacements are listed separately under Joint replacements.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Kidney and bladder

Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

For example: kidney stones, adrenal gland tumour and incontinence.

Dialysis is listed separately under Dialysis for chronic kidney failure.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Male reproductive system

Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

For example: male sterilisation, circumcision and prostate cancer.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Digestive system

Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.

Endoscopy is listed separately under Gastrointestinal endoscopy.

Hernia and appendicectomy procedures are listed separately under Hernia and appendix.

Bariatric surgery is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Gastrointestinal endoscopy

Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).

Non-endoscopic procedures for the digestive system are listed separately under Digestive system.

Gynaecology

Hospital treatment for the investigation and treatment of the female reproductive system.

For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

Fertility treatments are listed separately under Assisted reproductive services.

Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.

Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Miscarriage and termination of pregnancy

Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.

Chemotherapy, radiotherapy and immunotherapy for cancer

Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. Surgical treatment of cancer is listed separately under each body system.

Pain management

Hospital treatment for pain management that does not require the insertion or surgical management of a device.

For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.

Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.

Skin

Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.

For example: melanoma, minor wound repair and abscesses.

Removal of excess skin due to weight loss is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Breast surgery (medically necessary)

Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Diabetes management (excluding insulin pumps)

Hospital treatment for the investigation and management of diabetes.

For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.

Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye.

Treatment for ulcers is listed separately under Skin.

Provision and replacement of insulin pumps is listed separately under Insulin pumps.

Heart and vascular system

Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Lung and chest

Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Blood

Hospital treatment for the investigation and treatment of blood and blood-related conditions.

For example: blood clotting disorders and bone marrow transplants.

Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Back, neck and spine

Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis.

Joint replacements are listed separately under Joint replacements.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal cord conditions are listed separately under Brain and nervous system.

Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Plastic and reconstructive surgery (medically necessary)

Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident or congenital.

For example: burns requiring a graft, cleft palate, club foot and angioma.

Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

Dental surgery

Hospital treatment for surgery to the teeth and gums. For example: surgery to remove wisdom teeth, and dental implant surgery.

Please note: If you undergo surgery by a recognised dentist in a hospital, you can claim benefits for theatre, accommodation and anaesthetist costs. If your dentist isn't a recognised medical surgeon, benefits towards your dentist's fees will only be paid if you also hold a suitable Extras product in addition to your Hospital cover.

Podiatric surgery

Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:

  • accommodation; and
  • the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.

Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so.

Implantation of hearing devices

Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Stapedectomy is listed separately under Ear, nose and throat.

Cataracts

Hospital treatment for surgery to remove a cataract and replace with an artificial lens.

Joint replacements

Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal fusions are listed separately under Back, neck and spine

Joint reconstructions are listed separately under Joint reconstructions.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Dialysis for chronic kidney failure

Hospital treatment for dialysis treatment for chronic kidney failure.

For example: peritoneal dialysis and haemodialysis.

Pregnancy and birth

Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition.

For example, respiratory conditions are covered under Lung and chest.

Female reproductive conditions are listed separately under Gynaecology.

Fertility treatments are listed separately under Assisted reproductive services.

Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

Assisted reproductive services

Hospital treatment for fertility treatments or procedures.

For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).

Treatment of the female reproductive system is listed separately under Gynaecology.

Pregnancy and birth-related services are listed separately under Pregnancy and birth.

Weight loss surgery

Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

For example: gastric banding, gastric bypass, sleeve gastrectomy.

Insulin pumps

Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.

Pain management with device

Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.

For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).

Treatment of pain that does not require a device is listed separately under Pain management.

HIF Second Opinion 

HIF Second Opinion is a free service for HIF members with Silver Plus or Gold Star Hospital and/or Premium Options Extras cover. It gives you access to the Best Doctors' network of the world's leading medical specialists, enabling you to get a free second opinion on any diagnosis, condition or treatment. Plus, eligible HIF members get free access to the Best Doctors' online medical advice portal, giving you the opportunity to submit questions to a panel of experienced Australian GPs, access expert insights and use their online symptom checker. Not included

 

Supporting documents

 

Why choose HIF as your health insurer?

We’re a here-for-you health fund. Our focus isn’t on shareholder dividends - it’s on big benefits, increasing rebates and delivering outstanding health cover to loyal members. It's what sets us apart…what we call the Hifference.

  • Not-for-profit and member-focused

    Our priority is to help our members lead healthy and happy lives

  • Helping members since 1954

    We're an established national health fund with over 65 years experience 

  • Australia's first certified Carbon Neutral health fund

    We are Australia's first certified carbon neutral health fund


 

Basic Plus Hospital Cover FAQs

What is Basic tier private health insurance?

Basic tier hospital insurance is the most basic private health cover in the four tiers of health cover that the Australian Government established to standardise hospital cover categories across Australia.

The simplified tiered system comprises Basic, Bronze, Silver and Gold, with minimum criteria for each tier, which all Australian health insurers have to adhere to. In short, it makes it easier for you to compare like-for-like policies from different health insurance funds.

Read on for more information about the health insurance tiers, or learn more about the simplified tiered system and the Private Health Insurance (Reforms) Amendment Rules 2018.

How is Basic tier health insurance different to Gold, Silver and Bronze?

The Government’s 2019 Private Health Insurance Reforms ensure that whenever you see a Gold, Silver, Bronze or Basic hospital insurance product, it includes the same core services and treatments (known as ‘clinical categories’).

Each tier of hospital insurance includes the same clinical categories as the previous tier, plus a range of additional ones. Here’s how it works:

  • Basic tier hospital insurance.
    This is the most basic hospital tier. Basic cover must include restricted cover for in-hospital psychiatric services, palliative care and rehabilitation. More than anything, Basic enables you to avoid the Medicare Levy Surcharge at tax time.
  • Bronze tier hospital insurance.
    This is a step up, providing more cover, but it’s still pretty basic. Bronze health cover must include 18 clinical categories. It's a great entry-level tier.
  • Silver tier hospital insurance.
    Silver includes everything you get in Bronze, plus an additional eight clinical categories. So that’s 26 clinical categories in total (excluding restricted services), which covers heart and vascular systems, lung and chest, and more.
  • Gold tier hospital insurance.
    Gold is the highest tier and must include all 38 clinical categories, making it the only tier of health insurance to include pregnancy and birth-related services as standard.

Check out our hospital insurance comparison table for an at-a-glance breakdown of which services and treatments are included in our Basic Plus, Bronze, Bronze Plus, Silver, Silver Plus and Gold Star hospital insurance options.

Compare Basic Plus

So, where does Basic Plus Hospital fit in?

The Government’s requirements for Basic tier hospital cover are pretty, well, basic. Basic cover only needs to offer restricted services on rehabilitation, hospital psychiatric services and palliative care.

In contrast, our Basic Plus Hospital insurance cover is exactly what it sounds like – Basic private hospital cover, with some notable pluses. It’s a big step up from Basic, but with a tiny daily cost.

What’s included in Basic Plus Hospital insurance?

In addition to the minimum requirements for Basic tier insurance, our Basic Plus private hospital insurance covers some other common inpatient services:

  • Private hospital care for accidental injuries (includes intensive care and theatre fees)
  • Tonsils, adenoids and grommets
  • Joint reconstructions
  • Hernia and appendix

Just as importantly, your policy entitles you to:

  • Your choice of treating doctor or specialist
  • Private room accommodation in an HIF-contracted hospital
  • Private and shared room accommodation in a public hospital
  • AccessGap Cover for eligible inpatient medical services
  • Benefits for surgically implanted prostheses and other items on the Federal Government’s Prostheses Schedule
  • Inpatient pharmacy drugs – charges vary between hospitals depending on the contract that’s in place. Please check with the hospital or HIF.

For more information about Basic Plus Hospital, from inclusions and restricted services to your excess options and waiting periods, read our Basic Plus fact sheet.

Is Basic Plus Hospital the right level of insurance for me?

It depends. Basic Plus Hospital is really designed for people who want some basic peace of mind and who are keen to reduce their tax bill (no Medicare Levy Surcharge) and avoid paying the Lifetime Health Cover loading.

So, Basic Plus is really an affordable, entry-level insurance option suited to younger singles and couples who want to take out better-than-basic hospital cover and save money.

Get a quote

What qualifies as an accidental injury?

Technically speaking, we define an accidental injury as ‘an unforeseen event, occurring by chance and caused by an external force or object which results in an injury to the body requiring immediate medical treatment in hospital within 24 hours of the accident.’

In other words, with Basic Plus you’re covered if you have an accident that requires immediate medical treatment. You’re also covered for subsequent private hospital treatment as an inpatient, as long as you’re readmitted to hospital within 90 days of your initial hospital treatment.

Am I covered for elective surgery on Basic Plus Hospital?

Yes, but only for a limited number of inpatient surgical procedures to remove your tonsils, adenoids or appendix.

Does a hospital excess apply to Basic Plus Hospital?

You have a choice of excess options with Basic Plus Hospital cover. You can choose from the following excesses to reduce your premium:

  • Single memberships: $500 or $750 per calendar year.
  • Couple/family policies:
    • $500 per person (up to an annual policy maximum of $1,000)
    • $750 per person (up to an annual policy maximum of $1,500)

You'll only need to pay the excess once per person per year if admitted to hospital for same day or overnight stays (regardless of how many admissions you have).

What is private hospital insurance or hospital cover?

Private hospital cover is health insurance that helps cover the cost of inpatient hospital admissions. The hospital care, services and treatments (known as ‘clinical categories’) covered by your insurance policy depend on your level of cover, but you can claim benefits towards accommodation, theatre fees and the charges raised by your doctor. In fact, all medical services listed under the Medicare Benefits Schedule (MBS) are covered by private hospital insurance.

But the real benefit of private health insurance comes in your freedom to choose how and when you’re treated in hospital, whether it’s in a private hospital or as a private patient in a public hospital.

  • Choose your own hospital, doctor and specialist
  • Stay in a private room (if available and included on your cover)
  • Avoid lengthy public hospital waiting lists

Do I really need private hospital insurance?

While the Australian public health system is there as a safety net, it’s under increasing pressure, with longer waiting times, particularly for elective surgeries. And in addition to potentially having to wait longer for hospital services and treatment, you don’t get any choice with the public system.

On the other hand, with private hospital cover you’re able to choose the hospital and doctor or specialist you want – we currently cover more than 1300 private hospitals across Australia. What’s more, we have a medical gap arrangement in place with the Australian Health Service Alliance (AHSA). It’s called AccessGap and it minimises or even eliminates your out-of-pocket costs.

How much shorter are waiting times with hospital cover?

It depends on the procedure and where you live in Australia, but here’s an example.

In a 2014-15 report by the Australian Institute of Health and Welfare, patients in New South Wales who required a knee replacement waited an average of six months in the public system. Even more disturbingly, 6.6% of the public patients who underwent knee surgery that year waited over 12 months for their elective surgery. That’s a long wait.

With private hospital insurance, you can effectively bypass the public waiting list. You can choose your preferred date for surgery, along with the doctor or specialist you want, without having to worry about getting ‘bumped’, which often happens in the public system.

How does hospital insurance reduce my tax bill?

Have you heard of the Medicare Levy Surcharge (MLS)? It’s a levy that the Federal Government introduced to encourage people to take out private hospital insurance and relieve pressure on the public hospital system.

The MLS is paid by anyone who doesn’t have private hospital insurance cover, so if you have hospital cover, you pay less at tax time.

Does it make sense to take out hospital cover sooner rather than later?

Absolutely. The Lifetime Health Cover Loading is another government incentive designed to encourage people to take out private hospital insurance and reduce the burden on the public system. It rewards you for taking out hospital cover at a younger age.

The Lifetime Health Cover Loading is an additional cost that’s applied to private hospital insurance premiums, so the later you leave it to take our hospital insurance, the more expensive it will be when you eventually do. Find out how the Lifetime Health Cover Loading works.

How do our hospital excess options work?

We have six levels of Hospital cover, each with different excess options – the higher the excess, the lower your hospital insurance premiums. This chart shows when you have to pay an excess and the excess options for each level of Hospital cover.

Hospital coverSame-day admissionsOvernight admissionsDependants under 18Per-person excess options
Basic PlusN/A$500
$750
Bronze$200
$500
$750
Bronze Plus$200
$500
$750
Silver$200
$500
$750
Silver Plus $200
$500
$750
Gold Starxx$0
$200
$500
$750

Whichever level of insurance and excess you choose, you’ll only pay your excess on admission to hospital. And you’ll only pay it once per calendar year, even if you have multiple admissions in the same year.

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Are there any waiting periods for our Hospital cover?

Nobody likes to be kept waiting, but waiting periods (the time you have to wait before you can claim a benefit) are a necessary fact of life for all Australian health funds. Without them, people could simply join a fund to make an expensive claim, then ditch their hospital insurance, which isn’t fair on the other members of a health fund – they’d be hit with higher premiums.

As a not-for-profit health fund, we’re here to look after you, not shareholders, so we do all we can to minimise waiting times. And that goes for everything, from the time it takes to pick up your call, to the time it takes to process your claim.

That’s why, if you join us from another health fund, we’ll take your previous membership into account, so you don’t have to re-serve waiting periods on an equivalent level or higher level of cover.

What are our standard Hospital cover waiting periods?

Unless you’re an existing HIF Member who’s upgrading or you’re switching to HIF from another Australian health fund (in which case you won’t have to re-serve any waiting periods you’ve already served on your current hospital cover), here are our standard waiting periods.

  • 1 day: Treatment received as the result of an accident
  • 2 months: General hospitalisation
  • 2 months: Psychiatric care*, rehabilitation and palliative care (pre-existing or not)
  • 12 months: All pregnancy-related services (only applicable to HIF Gold Star Hospital cover)
  • 12 months: Pre-existing conditions or ailments

*New Members transferring to HIF who previously had limited psychiatric cover can now upgrade their policy without serving a two-month waiting period for the higher or additional benefits. The waiting period exemption for psychiatric care benefits can only be accessed once in a lifetime, and is only available after a person has served their initial two month waiting period for any psychiatric treatment.

Get a quote

Isn’t HIF just the same as other Australian health insurance funds?

Not at all. For a start, we’re a not-for-profit health fund and we’ve been looking after our Members’ health for over 65 years. But that goes way beyond providing affordable Hospital and Extras cover.

It means we’re continually evolving to meet our Members’ changing needs. It means we’re not worried about shareholders (we don’t have any). It means it’s all about you, with all profits invested in better services and benefits. That’s why more and more Australians continue to join us. We don’t just do insurance. We do the right thing. Find out more about why we’re different.

How easy is it to switch to HIF from another Australian health fund?

Easy. Really easy. In fact, we’ll even take care of all the paperwork and deal with your old health fund for you. Check out our Hospital insurance options, get a no-obligation quote or contact our frendly team on 1300 134 060 and see for yourself how easy it is.

Why should I trust HIF more than any other Australian health funds?

We’re a not-for-profit health fund, so we’re in it for our Members, not the money. All of our profits go straight back into providing even better services and even better benefits. But just as importantly, we tell it how it is.

We understand health insurance can be confusing, so we do our level best to be as open, transparent and accountable as possible. That’s what our Knowledge Base is all about – we created it to help you make sense of the Australian health insurance market, so you can weigh up your options and the right decision for your health, lifestyle and budget.

Should I notify HIF before I go into hospital?

Accidents and emergencies will happen, so it’s not always possible to contact us before you need a hospital stay. But yes, ordinarily we recommend contacting us for an estimate before you undergo any hospital treatment.

We’ll be able to take some of the stress and uncertainty out of what can be a confusing process, ensuring you get maximum value from your insurance and understand upfront what ‘gap’ (if any) there is for you to pay. All you need for a benefit estimate is a medical estimate from your doctor or specialist (with a list of billable items). You can then complete our online Medical Estimate Form, or call us on 1300 13 40 60 and we’ll provide a benefit estimate over the phone.


 

Basic Plus Hospital Cover

From

Basic Plus is perfect if you're young, healthy and want to get on the private health insurance ladder. With Basic Plus you will get:

  • Emergency private hospital care
  • A reduced tax bill
  • Additional services

Get a Quote

 

Want more inclusions?
Bronze Hospital Cover could be for you.

Learn More


 

Need help choosing your level of cover?

Relax, we're here to help. If you require assistance at any stage in the process get in touch with us.