What makes our Bronze Hospital cover so good?

Singles, couples and young families love Bronze Hospital cover because it’s affordable, providing good cover you can add to as your lifestyle, situation and needs changes.

With Bronze Hospital, you'll get:

  • Choice of hospital and treating doctor

    Choose your preferred hospital and treating doctor or specialist

  • Cover for common issues

    Enjoy cover for a host of common issues, including the surgical removal of tonsils, adenoids and appendix, hernias and joint reconstructions

  • A reduced tax bill

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

  • Additional services

    Claim for chemotherapy, radiotherapy, gynaecology, diabetes plus much more

With Bronze Hospital you'll get great-value hospital cover for a heap of all-too-common conditions – the kind of things that can hit anyone out of leftfield – plus a range of big-ticket treatments and surgeries. And crucially, Bronze Hospital gets you on the hospital insurance ladder at an affordable premium, so you can avoid government initiatives like MLS and LHC when you upgrade your cover down the track. It also includes at-home hospital services such as chemotherapy, rehabilitation, complex wound management (home nursing) and chronic health disease management. 

Entry-level Bronze cover at an affordable price

You’re young. You’re generally healthy. But you’re old enough to know you can’t tell what’s around the corner and that hospital cover makes sense, tax-wise. Enter Bronze Hospital insurance.

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What's included?

Check out our Bronze Hospital fact sheet or the overview below, or take a look at our hospital cover comparison table to see how our added-value Bronze Plus Hospital cover stacks up. 

Key:
  • Included
  • Restricted
  • Excluded

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.

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.

Tonsils, adenoids and grommets

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

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.

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).

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.

Hernia and appendix

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

Digestive conditions are listed separately under Digestive system.

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.

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.

Private hospital - private room

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

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.

Sleep studies

Hospital treatment for the investigation of sleep patterns and anomalies.

For example: sleep apnoea and snoring.

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


 

Bronze Hospital Cover FAQs

What exactly is Bronze tier private health cover?

While Bronze tier hospital insurance is the second of four levels of private health cover in the Australian Government’s tiered hospital insurance system, it’s generally seen as entry-level cover.

The Government’s tiered system comprises: Basic (which really just provides emergency cover), Bronze, Silver and Gold. Each tier or category of cover has a set of minimum criteria that all health insurance providers must adhere to, making it easier for you to compare policies and premiums.

There’s more info about the hospital insurance tiers below, or you can read more about the simplified tiered system and the Private Health Insurance (Reforms) Amendment Rules 2018.

How does Bronze tier hospital cover differ to Basic, Silver and Gold?

Thanks to the Government’s 2019 Private Health Insurance Reforms, comparing policies from different health funds is easier than ever, with a set of core services and treatments (known as ‘clinical categories’) for Basic, Bronze, Silver and Gold policies everywhere.

And as you might imagine, the higher the tier, the better the cover – each tier includes the same clinical categories as the previous tier, along with a number of additional core categories.

  • 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 much more cover across 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.

It’s easier to see how the tiers compare if you look at our hospital insurance comparison table, which breaks down which services and treatments are included in our Basic Plus, Bronze, Bronze Plus, Silver, Silver Plus and Gold Star hospital insurance options.

Compare Bronze Hospital 

What’s included in Bronze Hospital insurance?

Our Bronze tier hospital insurance covers everything in our Basic Plus cover, which includes tonsils, adenoids, grommets, hernias, appendix surgery and joint reconstructions, along with cover for:

  • Brain and nervous system (including strokes and head and spinal cord injuries)
  • Eye conditions (including detached retinas, eye infections and eye-related surgery)
  • Ear, nose and throat (including damaged ear drums, sinus surgery and throat cancer)
  • Bone, joint and muscle (including carpal tunnel, bone spurs and bone cancer)
  • Kidney and bladder (including kidney stones and adrenal gland tumours)
  • Male reproductive system (including sterilisation, circumcision and prostate cancer)
  • Digestive system (including gall stones, irritable bowel syndrome and haemorrhoids)
  • Gastrointestinal endoscopy (including colonoscopy and gastroscopy)
  • Gynaecology (including endometriosis, sterilisation and cervical cancer)
  • Miscarriage and termination of pregnancy
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Pain management (including nerve and chest pain due to cancer)
  • Skin (including melanoma, minor wound repair and medically necessary plastic surgery)
  • Diabetes management (including hypo- or hyper-glycaemia) 

But just as importantly, Bronze tier hospital insurance 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.

Read our Bronze Hospital fact sheet for more information about inclusions, restricted services, excess options and waiting periods.

How does our Bronze Plus cover compare to Bronze?

Our Bronze Hospital insurance covers the same core services and treatments (clinical categories) as other Bronze tier insurance products out there. It’s great-value cover. But our Bronze Plus cover is even better value, covering a host of additional categories for a few extra cents a day.

In addition to all the conditions Bronze Hopsital covers, our Bronze Plus insurance covers you for additional services and treatments, including:

  • Lung and chest conditions and treatments (such as lung cancer, asthma and pneumonia)
  • Blood and blood-related conditions and treatments (including bone marrow transfers)
  • Dental surgery (for example, dental implants and surgery to remove wisdom teeth)
  • Podiatric surgery (covers surgery for your feet or ankles and prostheses)
  • Hearing loss treatments (which includes hearing implants)

Learn more about Bronze Plus or see how Bronze Hospital compares with Bronze Plus, both in terms of cost and cover.

Is Bronze Hospital the hospital insurance for me?

Everyone is different, so it’s worth weighing up the options. After all, Bronze Plus hospital cover gives you lots more cover for not-a-lot-more money.

Either way, if you’re looking for an entry-level hospital insurance option that provides a good range of cover and also reduces your tax bill (you don’t have to pay the Medicare Levy Surcharge), Bronze and Bronze Plus fit the bill.

Get a quote

Does a hospital excess apply to Bronze Hospital?

With Bronze Hospital cover, you can choose from the following excesses to reduce your premium:

  • Single memberships: $200, $500 or $750 per calendar year.
  • Couple/family policies:
    • $200 per person (up to an annual policy maximum of $400)
    • $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 exactly is private hospital insurance?

If you fall ill, have an accident and require surgery or hospital care, private hospital insurance helps cover the cost of inpatient care, services and treatments (known as ‘clinical categories’).

Different hospital insurance policies cover different clinical categories and enable you to claim benefits towards hospital accommodation and theatre fees, as well as your doctor’s charges (take a look at the Medicare Benefits Schedule to see what private hospital insurance covers).

But ultimately, private hospital insurance is about choice. Hospital cover gives you the freedom to choose how and when you’re treated, either in a private hospital or as a private patient in a public hospital. You can:

  • 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

Is private hospital insurance really necessary?

It’s not essential, but as the Australian public health system comes under increasing pressure, private health cover can make all the difference. Indeed, with longer and longer waiting times within the public system, it can make a life-changing, even life-saving difference.

What’s more, with private hospital insurance you can choose the hospital and doctor or specialist you want. At HIF, we cover more than 1300 private hospitals across Australia, with AccessGap (our medical gap arrangement with the Australian Health Service Alliance) minimising or potentially eliminating your out-of-pocket costs.

Are waiting times much shorter if I have hospital insurance?

While waiting times vary depending on where you live and which procedure you require, generally you’ll get treated much sooner with hospital cover.

For example, a 2014-15 report by the Australian Institute of Health and Welfare found that patients in New South Wales who required a knee replacement waited an average of six months in the public system. In fact, 6.6% of the public patients who underwent knee surgery that year waited over 12 months, which is a long time to be living with such a debilitating and often painful condition.

If you have private hospital insurance, you’re able to bypass the public waiting list, choose your doctor or specialist and even your preferred date for surgery, without the risk of getting ‘bumped’ – patients often lose their place on the waiting list in the public hospital system.

How does private hospital insurance reduce my tax bill?

It all comes down to the Medicare Levy Surcharge (MLS), which is a levy that the Federal Government introduced to encourage people to take out private hospital insurance, with the aim of relieving pressure on the public hospital system.

The MLS is paid by anyone earning over $90,000 a year who doesn’t have private hospital insurance, and it increases incrementally – the more you earn, the higher your MLS levy.

Find out more about the Medicare Levy Surcharge and use our handy Medicare Levy Surcharge calculator to work out how much you can save by taking out Bronze Hospital or Bronze Plus cover.

Will I have any out-of-pocket medical expenses?

It depends. The Medicare Benefits Schedule (MBS), the schedule of fees set by the Government for standard medical services, determines the amounts that Medicare considers to be a fair for a doctor or specialist to charge.

So, assuming your doctor or specialist charges within the MBS, Medicare will pay 75% of the fee (up to the pre-defined limit) and your hospital insurance covers the remaining 25%. However, if your doctor or specialist charges more than the MBS fee, you’re likely to have an out-of-pocket expense (known as a ‘gap’).

The good news is, our AccessGap scheme can minimise or even eliminate your out-of-pocket expenses. Find out more about how AccessGap works.

Is it better to take out hospital cover sooner rather than later?

Definitely. Like the Medicare Levy Surcharge, Lifetime Health Cover Loading is a government incentive that’s designed to encourage Australians to take out private hospital insurance and relieve the pressure on the public system.

In a nutshell, Lifetime Health Cover Loading rewards you for taking out hospital cover at a younger age – the later you leave it to take our hospital insurance, the more expensive it will be when you eventually do. Learn more about how Lifetime Health Cover Loading works.

How do our Hospital excess options work?

There are different excess options for our Hospital cover options, but the basic principle is the same – the higher the excess, the lower your hospital insurance premiums. Here’s a summary of the excess options for each level of 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.

Get a quote

What are the waiting periods for our Hospital cover?

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. We don’t like waiting periods, but without them people could join a fund, make an expensive claim, then ditch their hospital insurance. And that wouldn’t be fair on the other members of the health fund, who would be hit with higher premiums.

As a not-for-profit health fund, we don’t have to worry about shareholders at HIF. We’re just here for you. And so, we’re always looking for ways to reduce the amount of time you have to wait, whether we’re answering calls, online enquiries, processing claim or minimising waiting periods. 

That’s why, if you join us from another health fund, we’ll take your previous membership into account – you won’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

How is HIF different to other Australian health insurance funds?

For a start, we’re a not-for-profit health fund – we’re solely focused on the health and wellbeing of our Members. But just as importantly, we’ve been doing just that for over 65 years. That’s important. It means you can rely on us to respond to your changing needs. It means we’re continually ploughing any profits into providing even better services and benefits. In short, it means we always do the right thing, which is why more and more Australians are switching to us. Find out more about why we’re different.

How do I switch to Bronze Hospital if I’m with another Australian health fund?

It's as easy as ticking a box. Really. When you apply online for your Bronze Hospital or Bronze Plus hospital cover, just tick the box that authorises us to arrange the switch on your behalf. Alternatively, if you’re joining over the phone, you can give us verbal authorisation. You can then leave it all to us – we’ll handle all the paperwork and deal with your old health fund. Explore our Hospital insurance options, get a no-obligation quote or contact us on 1300 134 060 and see for yourself how easy it is.

Should I notify HIF before I go into hospital?

Yes, we always recommend contacting us for an estimate before you undergo any hospital treatment. Apart from anything else, we’ll be able to take some of the stress and uncertainty out of the process and ensure you get maximum value from your insurance. And we’ll be able to explain what ‘gap’ (if any) there is for you to pay, so there won’t be any nasty surprises. All you need 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 give you a benefit estimate.

What is HIF AccessGap cover?

AccessGap helps minimise or even eliminate out-of-pocket expenses (known as a ‘the gap’) that may crop up when you’re undergoing treatment in hospital. As an HIF Member, you’ll have access to over 30,000 doctors and specialists practising in over 111,000 locations around Australia who have all agreed to participate in AccessGap. Read more about AccessGap.


 

Bronze Hospital Cover

From

Whether you’re a young single, couple or family, if you want to enjoy more peace of mind and pay less tax, our Bronze Hospital insurance is a great place to start. With Bronze Hospital, you'll get:

  • Choice of hospital and treating doctor
  • A reduced tax bill
  • Cover for common treatments
  • Additional services

Get a Quote

 

Want more inclusions?
Bronze Plus 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.