Compare Hospital Cover

Compare your Hospital cover options to find the perfect level of cover for you, your family and your financial needs. Basic cover starts from only $13.551 per week.

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

Basic Plus

Basic Plus Hospital Cover

From

Basic cover in the event of an accident.

  • Emergency private room hospital care
  • Treatment in the event of an accident 
  • Avoid the Medicare Levy Surcharge (MLS)

Bronze

Bronze Hospital Cover

From

Great value for the young, fit and healthy.

  • Choice of hospital & treating doctor
  • Shared-room hospital care
  • 18 hospital clinical categories 
  • Avoid the Medicare Levy Surcharge (MLS)

Bronze Plus

Bronze Plus Hospital Cover

From

Like Bronze, plus five additional services.

  • Choice of hospital & treating doctor
  • Shared-room hospital care
  • 23 hospital clinical categories 
  • Choice of higher excess 

Silver

Silver Hospital Cover

From

Intermediate cover, shared room basis.

  • Choice of hospital & treating doctor
  • Shared-room hospital care
  • 26 hospital clinical categories 
  • Choice of higher excess

Silver Plus

Silver Plus Hospital Cover

From

Comprehensive cover, minus maternity.

  • Choice of hospital & treating doctor
  • Private room hospital care
  • 32 hospital clinical categories
  • Choice of higher excess 
  • FREE second opinion on any diagnosis, condition or treatment

Gold Star

Gold Star Hospital Cover

From

Top hospital cover for total peace of mind.

  • Choice of hospital & treating doctor
  • Private room hospital care
  • 38 hospital clinical categories
  • Maternity, obstetrics and birth
  • No excess on day procedures
  • FREE 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. Our great value health cover starts from only $13.551 per week! 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 the public hospital waiting lists

    Waiting lists for elective surgery in Australia’s public hospital system range from a few months to over two years. With private Hospital insurance, you choose when you’re admitted to hospital.

  • Choose your preferred Hospital 

    In the public system, you’ll usually be admitted to the closest hospital to your residential address. With private Hospital insurance, you choose which hospital you're admitted to.

  • Get private room accommodation 

    Depending on your level of Hospital cover, you may be able to get private room accommodation. In a public hospital, you’ll typically be sharing a room or ward with 2-6 people.

  • Choose your own treating doctor

    In a public hospital, you’ll be allocated a doctor of their choice. With private hospital insurance, you choose your own doctors and specialists and have your treatment in a private hospital.