Compare Hospital Cover

Compare your Hospital cover options to find the perfect level of cover
for you, your family and your financial needs.

  • Just me
  • Both of us
  • Myself & my kids
  • Our Family

Basic Plus

Basic Plus Hospital Cover
 

Basic cover in the event of an accident.

  • Private room in an HIF-contracted hospital1
  • Treatment in the event of an accident 
  • Avoid the Medicare Levy Surcharge (MLS)

Bronze

Bronze Hospital Cover
 

Great value for the young, fit and healthy.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 18 hospital clinical categories 
  • Avoid the Medicare Levy Surcharge (MLS)

Bronze Plus

Bronze Plus Hospital Cover
 

Like Bronze, plus five additional services.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 23 hospital clinical categories 
  • Choice of higher excess 

Silver

Silver Hospital Cover
 

Intermediate cover.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 26 hospital clinical categories 
  • Choice of higher excess

Silver Plus

Silver Plus Hospital Cover
 

Comprehensive cover, minus maternity.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 32 hospital clinical categories
  • Choice of higher excess 
  • Second Opinion on any diagnosis, condition or treatment

Gold Top

Gold Top Hospital Cover
 

Top hospital cover option for total peace of mind.

  • Choice of hospital and doctor
  • Private room in an HIF-contracted hospital1
  • 38 hospital clinical categories
  • Choice of higher excess 
  • Includes pregnancy and birth cover
  • Second opinion on any diagnosis, condition or treatment


 

Why get HIF Hospital Cover?

No one wants to go to hospital, but if the worst happens, having Hospital cover makes a stressful experience easier and more comfortable. You may be thinking, “Why do I need private health insurance when we can have the public health system, Medicare?” Well, there’s a number of reasons why private hospital insurance is a better option than relying solely on the public system - the most important one being that your policy allows you to choose your own hospital and doctor. Plus, you’ll have a much shorter waiting time for any elective surgeries that you may need in the future.

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With private hospital insurance you can:

  • Skip public hospital waiting lists

    Elective surgery waiting lists in Australia vary with a public waiting list of over two years for specific services. 

  • Choose your preferred Hospital 

    With private hospital insurance, you choose which hospital you're admitted to.

  • Private room accommodation 

    Depending on your level of Hospital cover, you may be covered for private room in an HIF-contracted hospital. 

  • Choose your own treating doctor

    With private hospital insurance, you choose your doctor, specialist and service provider.