HIF Hospital Cover Comparison Table

Key:
  • Included
  • Not included
  • Restricted
GoldVital
GoldStarter
Gold
GoldStar
GoldVital
From $1.66 per day Download Factsheet
GoldStarter
From $2.22 per day Download Factsheet
Gold
From $3.72 per day Download Factsheet
GoldStar
From $4.13 per day Download Factsheet
  • Private room - all stays

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

    Please note: GoldVital is a 'basic cover' policy which means you’re only covered for a limited number of hospital services. If you would like cover for thousands more inpatient services with private room accommodation (or a shared room as standard, with the option to upgrade to a private room when required), please choose a higher level of cover.

  • Private room - maternity stays

    Not included.

    If maternity cover is important to you, please choose Gold or GoldStar instead.

  • Shared room - all stays (with optional upgrade to a private room)

    Members with GoldVital don't need to worry about upgrading to private room accommodation because a single room in an HIF-contracted hospital is fully covered on this policy. On occasions where a private room is not available though, GoldVital will cover the cost of a shared room instead.

    Please note, however, that GoldVital is a 'basic cover' policy. That means you’re only covered for a limited number of hospital services. If you would like cover for thousands more inpatient services, please choose a higher level of cover.

  • Private room - all stays

    Not included.

    If a private room is important to you at all times, please choose GoldStar Cover instead.

  • Private room - maternity stays

    Not included. 

    If maternity cover is important to you, please choose Gold or GoldStar instead.

  • Shared room - all stays (with optional upgrade to a private room)

    GoldStarter covers the cost of a shared room in an HIF-contracted hospital as standard. However, where available, you may be given the option to upgrade to a private room.

    In that instance, HIF will cover the hospital fees for a shared room, so you'll just need to pay the difference between the cost of a shared room and a private room.

    Although these charges can differ depending on the hospital, the amount usually ranges from $50-100 per day.

  • Private room - all stays

    Not included.

    If a private room is important to you at all times, please choose GoldStar Cover instead.

  • Private room - maternity stays

    Gold covers up to 5 days in a private room for the management of labour and delivery of a child in an HIF-contracted private hospital.

  • Shared room - all stays (with optional upgrade to a private room)

    Gold covers the cost of a shared room in an HIF-contracted hospital as standard. However, where available, you may be given the option to upgrade to a private room.

    In that instance, HIF will cover the hospital fees for a shared room, so you'll just need to pay the difference between the cost of a shared room and a private room.

    Although these charges can differ depending on the hospital, the amount usually ranges from $50-100 per day.

  • Private room - all stays

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

  • Private room - maternity stays

    GoldStar provides unlimited cover for a private room for the management of labour and delivery of a child in an HIF-contracted private hospital.

  • Shared room - all stays (with optional upgrade to a private room)

    Members with GoldStar don't need to worry about upgrading to private room accommodation because a single room in an HIF-contracted hospital is fully covered on this policy.

    On occasions where a private room is not available though, GoldStar will cover the cost of a shared room instead.

  • Ear, nose and throat surgery

    Not included.

  • Removal of tonsils and adenoids

    A tonsillectomy is a surgical procedure that removes a patient's tonsils (two small glands located in the back of your throat).

    Similarly, an adenoidectomy is a common surgery to remove the adenoids (glands located in the roof of the mouth, behind the soft palate where the nose connects to the throat).

    Tonsils and adenoids are the body's first line of defence as part of the immune system, sampling bacteria and viruses that enter the body through the mouth or nose. However, they may sometimes become infected themselves and may eventually need to be removed.

  • Appendectomy

    An appendectomy is the surgical removal of the appendix. It's a common emergency surgery that's performed to treat appendicitis, an inflammatory condition of the appendix.

  • Surgical removal of wisdom teeth in hospital

    In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.

    Please note: You'll also need to hold Extras Cover if you wish to claim a benefit towards the dentist fees.

  • Hernia repair

    Not included.

    If this service is important to you, please choose a higher level of cover.

  • Back surgery

    This service is only covered if the surgery is required as the result of an accident and the treatment was sought within 24 hours of the accident occurring (please refer to the 'Accidental Injuries' row in this table for more information).

    If this service is important to you, please choose a higher level of cover.

  • Brain surgery

    This service is only covered if the surgery is required as the result of an accident and the treatment was sought within 24 hours of the accident occurring (please refer to the 'Accidental Injuries' row in this table for more information).

    If this service is important to you, please choose a higher level of cover.

  • Non-cosmetic eye surgery

    Not included.

    If this service is important to you, please choose Gold or GoldStar instead.

  • Colonoscopy

    Not included.

    If this service is important to you, please choose a higher level of cover.

  • Endoscopy

    Not included.

    If this service is important to you, please choose a higher level of cover.

  • Gastroscopy

    Not included.

    If this service is important to you, please choose a higher level of cover.

  • Gynaecological services

    Please note: On GoldVital, benefits will be paid for same-day procedures for minor gynaecological procedures only. Click here to view the full list of gynaecological procedures included under GoldVital.

    NB: Major surgery items or procedures requiring overnight admission are excluded on GoldVital.

  • Ear, nose and throat surgery

    Ear Nose and Throat (ENT) specialists diagnose, evaluate and manage a wide range of diseases of the head and neck, including the ear, nose and throat regions.

  • Removal of tonsils and adenoids

    A tonsillectomy is a surgical procedure that removes a patient's tonsils (two small glands located in the back of your throat).

    Similarly, an adenoidectomy is a common surgery to remove the adenoids (glands located in the roof of the mouth, behind the soft palate where the nose connects to the throat).

    Tonsils and adenoids are the body's first line of defence as part of the immune system, sampling bacteria and viruses that enter the body through the mouth or nose. However, they may sometimes become infected themselves and may eventually need to be removed.

  • Appendectomy

    An appendectomy is the surgical removal of the appendix. It's a common emergency surgery that's performed to treat appendicitis, an inflammatory condition of the appendix.

  • Surgical removal of wisdom teeth in hospital

    In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.

    Please note: You'll also need to hold Extras Cover if you wish to claim a benefit towards the dentist fees.

  • Hernia repair

    A hernia occurs when an organ pushes through an opening in the muscle or tissue that holds it in place.

    For example, the intestines may break through a weakened area in the abdominal wall. Hernias are most common in the abdomen, but they can also appear in the upper thigh, belly button, and groin areas.

    Hernias are generally more common in people whose abdomens are under significant pressure, such as people who do a lot of heavy lifting, are obese, are pregnant, have a chronic cough, or have chronic constipation.

  • Back surgery

    Back surgery refers to procedures that aim to physically correct back issues and provide pain relief, such as removing a herniated disc.

    Common types of back surgery include discetomy, laminectomy, spinal fusion and vertebroplasty.

  • Brain surgery

    The term "brain surgery" refers to medical procedures that involve repairing structural problems in the brain.

    There are numerous types of brain surgery available, including craniotomies, biopsies, neuroendoscopies and deep brain stimulation.

    The type of brain surgery required depends highly on the condition being treated.

  • Non-cosmetic eye surgery

    Not included.

    If this service is important to you, please choose Gold or GoldStar instead.

  • Colonoscopy

    A colonoscopy is a test that allows your doctor to look at the inner lining of your large intestine (rectum and colon).

    Colonoscopies help to find ulcers, colon polyps, tumours, and areas of inflammation or bleeding.

  • Endoscopy

    An endoscopy is a procedure that gives your doctor a direct view of your body's internal organs. This can allow a diagnosis and treatment of some conditions.

  • Gastroscopy

    A gastroscopy is an examination of the oesophagus (gullet or food pipe), stomach and duodenum (upper part of the small bowel) using a flexible telescope called a gastroscope.

  • Gynaecological services

    Gynaecology is the diagnosis and management of issues affecting women's reproductive systems.

    A number of specialised procedures and surgeries are available, including colposcopy and management of abnormal pap smears and pre-invasive (pre-cancer) disease of the female genital tract; hysterectomy (laparoscopic, vaginal and abdominal); endometriosis specialists and subspecialist care for management of gynaecologic cancers.

  • Ear, nose and throat surgery

    Ear Nose and Throat (ENT) specialists diagnose, evaluate and manage a wide range of diseases of the head and neck, including the ear, nose and throat regions.

  • Removal of tonsils and adenoids

    A tonsillectomy is a surgical procedure that removes a patient's tonsils (two small glands located in the back of your throat).

    Similarly, an adenoidectomy is a common surgery to remove the adenoids (glands located in the roof of the mouth, behind the soft palate where the nose connects to the throat).

    Tonsils and adenoids are the body's first line of defence as part of the immune system, sampling bacteria and viruses that enter the body through the mouth or nose. However, they may sometimes become infected themselves and may eventually need to be removed.

  • Appendectomy

    An appendectomy is the surgical removal of the appendix. It's a common emergency surgery that's performed to treat appendicitis, an inflammatory condition of the appendix.

  • Surgical removal of wisdom teeth in hospital

    In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.

    Please note: You'll also need to hold Extras Cover if you wish to claim a benefit towards the dentist fees.

  • Hernia repair

    A hernia occurs when an organ pushes through an opening in the muscle or tissue that holds it in place.

    For example, the intestines may break through a weakened area in the abdominal wall. Hernias are most common in the abdomen, but they can also appear in the upper thigh, belly button, and groin areas.

    Hernias are generally more common in people whose abdomens are under significant pressure, such as people who do a lot of heavy lifting, are obese, are pregnant, have a chronic cough, or have chronic constipation.

  • Back surgery

    Back surgery refers to procedures that aim to physically correct back issues and provide pain relief, such as removing a herniated disc.

    Common types of back surgery include discetomy, laminectomy, spinal fusion and vertebroplasty.

  • Brain surgery

    The term "brain surgery" refers to medical procedures that involve repairing structural problems in the brain.

    There are numerous types of brain surgery available, including craniotomies, biopsies, neuroendoscopies and deep brain stimulation.

    The type of brain surgery required depends highly on the condition being treated.

  • Non-cosmetic eye surgery

    The term 'non-cosmetic eye surgery' refers to medical treatment for major eye lens procedures, such as cataract surgery.

  • Colonoscopy

    A colonoscopy is a test that allows your doctor to look at the inner lining of your large intestine (rectum and colon).

    Colonoscopies help to find ulcers, colon polyps, tumours, and areas of inflammation or bleeding.

  • Endoscopy

    An endoscopy is a procedure that gives your doctor a direct view of your body's internal organs. This can allow a diagnosis and treatment of some conditions.

  • Gastroscopy

    A gastroscopy is an examination of the oesophagus (gullet or food pipe), stomach and duodenum (upper part of the small bowel) using a flexible telescope called a gastroscope.

  • Gynaecological services

    Gynaecology is the diagnosis and management of issues affecting women's reproductive systems.

    A number of specialised procedures and surgeries are available, including colposcopy and management of abnormal pap smears and pre-invasive (pre-cancer) disease of the female genital tract; hysterectomy (laparoscopic, vaginal and abdominal); endometriosis specialists and subspecialist care for management of gynaecologic cancers.

  • Ear, nose and throat surgery

    Ear Nose and Throat (ENT) specialists diagnose, evaluate and manage a wide range of diseases of the head and neck, including the ear, nose and throat regions.

  • Removal of tonsils and adenoids

    A tonsillectomy is a surgical procedure that removes a patient's tonsils (two small glands located in the back of your throat).

    Similarly, an adenoidectomy is a common surgery to remove the adenoids (glands located in the roof of the mouth, behind the soft palate where the nose connects to the throat).

    Tonsils and adenoids are the body's first line of defence as part of the immune system, sampling bacteria and viruses that enter the body through the mouth or nose. However, they may sometimes become infected themselves and may eventually need to be removed.

  • Appendectomy

    An appendectomy is the surgical removal of the appendix. It's a common emergency surgery that's performed to treat appendicitis, an inflammatory condition of the appendix.

  • Surgical removal of wisdom teeth in hospital

    In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.

    Please note: You'll also need to hold Extras Cover if you wish to claim a benefit towards the dentist fees.

  • Hernia repair

    A hernia occurs when an organ pushes through an opening in the muscle or tissue that holds it in place.

    For example, the intestines may break through a weakened area in the abdominal wall. Hernias are most common in the abdomen, but they can also appear in the upper thigh, belly button, and groin areas.

    Hernias are generally more common in people whose abdomens are under significant pressure, such as people who do a lot of heavy lifting, are obese, are pregnant, have a chronic cough, or have chronic constipation.

  • Back surgery

    Back surgery refers to procedures that aim to physically correct back issues and provide pain relief, such as removing a herniated disc.

    Common types of back surgery include discetomy, laminectomy, spinal fusion and vertebroplasty.

  • Brain surgery

    The term "brain surgery" refers to medical procedures that involve repairing structural problems in the brain.

    There are numerous types of brain surgery available, including craniotomies, biopsies, neuroendoscopies and deep brain stimulation.

    The type of brain surgery required depends highly on the condition being treated.

  • Non-cosmetic eye surgery

    The term 'non-cosmetic eye surgery' refers to medical treatment for major eye lens procedures, such as cataract surgery.

  • Colonoscopy

    A colonoscopy is a test that allows your doctor to look at the inner lining of your large intestine (rectum and colon).

    Colonoscopies help to find ulcers, colon polyps, tumours, and areas of inflammation or bleeding.

  • Endoscopy

    An endoscopy is a procedure that gives your doctor a direct view of your body's internal organs. This can allow a diagnosis and treatment of some conditions.

  • Gastroscopy

    A gastroscopy is an examination of the oesophagus (gullet or food pipe), stomach and duodenum (upper part of the small bowel) using a flexible telescope called a gastroscope.

  • Gynaecological services

    Gynaecology is the diagnosis and management of issues affecting women's reproductive systems.

    A number of specialised procedures and surgeries are available, including colposcopy and management of abnormal pap smears and pre-invasive (pre-cancer) disease of the female genital tract; hysterectomy (laparoscopic, vaginal and abdominal); endometriosis specialists and subspecialist care for management of gynaecologic cancers.

  • Pregnancy and birth related services in a private hospital

    Not included.

    If maternity cover is important to you, please choose Gold or GoldStar instead.

  • Assisted Reproductive Technology (e.g. IVF)

    Not included.

    If ART is important to you, please choose Gold or GoldStar instead.

  • Sterilisation

    Not included.

    If this service is important to you, please choose a higher level of cover.

  • Pregnancy and birth related services in a private hospital

    Not included.

    If maternity cover is important to you, please choose Gold or GoldStar instead.

  • Assisted Reproductive Technology (e.g. IVF)

    Not included.

    If ART is important to you, please choose Gold or GoldStar instead.

  • Sterilisation

    The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies. .

  • Pregnancy and birth related services in a private hospital

    Also known as obstetrics or maternity services, this category refers to hospital admissions for the birth of a child.

    With Gold, you're also covered for up to 5 days in a private room for the management of labour and delivery of a child in an HIF-contracted private hospital.

    Please note:
    • The waiting period for inpatient maternity services is 12 months
    • Outpatient check-ups, scans, GP visits and other treatments are not covered (claimable on Medicare only)

  • Assisted Reproductive Technology (e.g. IVF)

    Assisted Reproductive Technology (ART) is the application of laboratory or clinical technology to gametes (human egg or sperm) and/or embryos for the purposes of reproduction.

    On Gold, you can claim benefits towards inpatient IVF services relating to egg retrieval and the transfer of embryos. 

    If you're planning to undergo IVF treatment in the future, please contact us for a medical estimate. 

  • Sterilisation

    The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies.

  • Pregnancy and birth related services in a private hospital

    Also known as obstetrics or maternity services, this category refers to hospital admissions for the birth of a child.

    With GoldStar, you're automatically covered for a private room for the management of labour and delivery of a child in an HIF-contracted private hospital.

    Please note:
    • The waiting period for inpatient maternity services is 12 months
    • Outpatient check-ups, scans, GP visits and other treatments are not covered (claimable on Medicare only)

  • Assisted Reproductive Technology (e.g. IVF)

    Assisted Reproductive Technology (ART) is the application of laboratory or clinical technology to gametes (human egg or sperm) and/or embryos for the purposes of reproduction.

    On GoldStar, you can claim benefits towards inpatient IVF services relating to egg retrieval and the transfer of embryos. 

    If you're planning to undergo IVF treatment in the future, please contact us for a medical estimate. 

  • Sterilisation

    The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies.

  • Accidental injuries

    For claiming purposes on GoldVital, an accident is defined 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". 

    If further hospital treatment (as an admitted patient) is required, the patient must be re-admitted to a hospital within 90 days of the initial hospital treatment.

    Please note: On GoldVital, a waiting period of 1 day applies for treatment resulting from an accidental injury.

    Want cover for emergency ambulance trips too? 

    Our Hospital Cover options don’t include ambulance benefits but our popular range of Extras Cover options do, so we always recommend adding Extras to any Hospital policy.

    On our basic Vital Options policy you’ll be covered for 50% of the ambulance fee up to an annual limit of $800pp. On all other HIF Extras options, you’ll be 100% covered for emergency ambulance trips, and you'll just need to pay a $50 co-payment for non-emergency trips.  

  • Accidental injuries

    An accident is an unforeseen event, occurring by chance and caused by an external force or object which results in an injury to the body.

    Want cover for emergency ambulance trips too? 

    Our Hospital Cover options don’t include ambulance benefits but our popular range of Extras Cover options do, so we always recommend adding Extras to any Hospital policy.

    On our basic Vital Options policy you’ll be covered for 50% of the ambulance fee up to an annual limit of $800pp. On all other HIF Extras options, you’ll be 100% covered for emergency ambulance trips, and you'll just need to pay a $50 co-payment for non-emergency trips.  

  • Accidental injuries

    An accident is an unforeseen event, occurring by chance and caused by an external force or object which results in an injury to the body.

    Want cover for emergency ambulance trips too? 

    Our Hospital Cover options don’t include ambulance benefits but our popular range of Extras Cover options do, so we always recommend adding Extras to any Hospital policy.

    On our basic Vital Options policy you’ll be covered for 50% of the ambulance fee up to an annual limit of $800pp. On all other HIF Extras options, you’ll be 100% covered for emergency ambulance trips, and you'll just need to pay a $50 co-payment for non-emergency trips.

  • Accidental injuries

    An accident is an unforeseen event, occurring by chance and caused by an external force or object which results in an injury to the body.

    Want cover for emergency ambulance trips too? 

    Our Hospital Cover options don’t include ambulance benefits but our popular range of Extras Cover options do, so we always recommend adding Extras to any Hospital policy.

    On our basic Vital Options policy you’ll be covered for 50% of the ambulance fee up to an annual limit of $800pp. On all other HIF Extras options, you’ll be 100% covered for emergency ambulance trips, and you'll just need to pay a $50 co-payment for non-emergency trips.

  • Heart procedures

    This service is only covered if the surgery is required as the result of an accident and the treatment was sought within 24 hours of the accident occurring (please refer to the 'Accidental Injuries' row in this table for more information).

    If this service is important to you, please choose Gold or GoldStar instead.

     

  • Heart procedures

    Not included.

    If this service is important to you, please choose Gold or GoldStar instead.

  • Heart procedures

    Cardiac (heart) specialists diagnose and treat conditions such as heart attacks, coronary artery disease, heart arrhythmia, valvular disease and endocarditis (infection of the heart's valves or inner lining).

    Heart procedures include medical or surgical treatments such as artery bypass grafts, coronary angioplasty, heart transplants, stent insertions, pacemakers and defibrillators.

  • Heart procedures

    Cardiac (heart) specialists diagnose and treat conditions such as heart attacks, coronary artery disease, heart arrhythmia, valvular disease and endocarditis (infection of the heart's valves or inner lining).

    Heart procedures include medical or surgical treatments such as artery bypass grafts, coronary angioplasty, heart transplants, stent insertions, pacemakers and defibrillators.

  • Joint reconstruction

    Treatment options can offer temporary pain relief or permanent solutions to joint disorders. The type of treatment depends on the type and severity of the joint disorder.

  • Joint replacement

    This service is only covered if the surgery is required as the result of an accident and the treatment was sought within 24 hours of the accident occurring (please refer to the 'Accidental Injuries' row in this table for more information).

    If this service is important to you, please choose Gold or GoldStar instead

  • Joint reconstruction

    Treatment options can offer temporary pain relief or permanent solutions to joint disorders. The type of treatment depends on the type and severity of the joint disorder.

  • Joint replacement

    Not included.

    If this service is important to you, please choose Gold or GoldStar instead.

  • Joint reconstruction

    Treatment options can offer temporary pain relief or permanent solutions to joint disorders. The type of treatment depends on the type and severity of the joint disorder.

  • Joint replacement

    A total joint replacement is a surgical procedure in which parts of an arthritic or damaged joint are removed and replaced with a metal, plastic or ceramic device called a prosthesis (for example, a knee arthroplasty).

    Joint replacements are performed by Orthopaedic Surgeons and the prosthesis is designed to replicate the movement of a normal, healthy joint.

  • Joint reconstruction

    Treatment options can offer temporary pain relief or permanent solutions to joint disorders. The type of treatment depends on the type and severity of the joint disorder.

  • Joint replacement

    A total joint replacement is a surgical procedure in which parts of an arthritic or damaged joint are removed and replaced with a metal, plastic or ceramic device called a prosthesis (for example, a knee arthroplasty).

    Joint replacements are performed by Orthopaedic Surgeons and the prosthesis is designed to replicate the movement of a normal, healthy joint.

  • Obesity related services

    Not included.

    If this service is important to you, please choose Gold or GoldStar instead.

  • Obesity related services

    Not included.

    If this service is important to you, please choose Gold or GoldStar instead.

  • Obesity related services

    This service covers medically necessary obesity or bariatric surgery on the stomach and/or intestines, performed to help an obese patient lose weight.

    Common types of bariatric surgery include gastric sleeves, gastric bypasses, gastric bands, lap-bands and duodenal switches.

  • Obesity related services

    This service covers medically necessary obesity or bariatric surgery on the stomach and/or intestines, performed to help an obese patient lose weight.

    Common types of bariatric surgery include gastric sleeves, gastric bypasses, gastric bands, lap-bands and duodenal switches.

  • Inpatient pharmacy drugs

    A benefit can be claimed on approved pharmacy items provided the medications are supplied as part of your in-hospital treatment plan.

    Please note: Benefits may be restricted or may not apply to experimental or high-cost drugs or drugs that aren’t approved by the Therapeutic Goods Administration (TGA).

  • Inpatient pharmacy drugs

    A benefit can be claimed on approved pharmacy items provided the medications are supplied as part of your in-hospital treatment plan.

    Please note: Benefits may be restricted or may not apply to experimental or high-cost drugs or drugs that aren’t approved by the Therapeutic Goods Administration (TGA).

  • Inpatient pharmacy drugs

    A benefit can be claimed on approved pharmacy items provided the medications are supplied as part of your in-hospital treatment plan.

    Please note: Benefits may be restricted or may not apply to experimental or high-cost drugs or drugs that aren’t approved by the Therapeutic Goods Administration (TGA).

  • Inpatient pharmacy drugs

    A benefit can be claimed on approved pharmacy items provided the medications are supplied as part of your in-hospital treatment plan.

    Please note: Benefits may be restricted or may not apply to experimental or high-cost drugs or drugs that aren’t approved by the Therapeutic Goods Administration (TGA).

  • Theatre care

    An operating theatre is a facility within a hospital where surgical operations are carried out in a sterile environment.

    Benefits can be claimed for theatre care when used in conjunction with any services listed as included on this level of cover.

  • Intensive care

    The term 'intensive care' refers to special medical treatment in which a patient who is dangerously ill is kept under constant observation, typically in a dedicated department of a hospital.

    A hospital's Intensive Care Unit (ICU) provides 24-hour care from a highly-trained team of specialists.

    Benefits can be claimed for intensive care when used in conjunction with any services listed as included on this level of cover.

  • In-hospital rehabilitation

    This is a restricted service.

    That means you are only covered up to the basic public hospital rates for accommodation, so this service may attract significant out-of-pocket expenses.

    If this service is important to you, please choose Gold or GoldStar instead.

    Please note: The waiting period for in-hospital rehab is 2 months, even if it's a pre-existing condition.

  • Psychiatric care and treatment

    This is a restricted service.

    That means you are only covered up to the basic public hospital rates for accommodation, so this service may attract significant out-of-pocket expenses.

    If this service is important to you, please choose Gold or GoldStar instead.

    Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.

  • Theatre care

    An operating theatre is a facility within a hospital where surgical operations are carried out in a sterile environment.

    Benefits can be claimed for theatre care when used in conjunction with any services listed as included on this level of cover.

  • Intensive care

    The term 'intensive care' refers to special medical treatment in which a patient who is dangerously ill is kept under constant observation, typically in a dedicated department of a hospital.

    A hospital's Intensive Care Unit (ICU) provides 24-hour care from a highly-trained team of specialists.

    Benefits can be claimed for intensive care when used in conjunction with any services listed as included on this level of cover.

  • In-hospital rehabilitation

    This is a restricted service.

    That means you are only covered up to the basic public hospital rates for accommodation, so this service may attract significant out-of-pocket expenses.

    If this service is important to you, please choose Gold or GoldStar instead.

    Please note: The waiting period for in-hospital rehab is 2 months, even if it's a pre-existing condition.

  • Psychiatric care and treatment

    This is a restricted service.

    That means you are only covered up to the basic public hospital rates for accommodation, so this service may attract significant out-of-pocket expenses.

    If this service is important to you, please choose Gold or GoldStar instead.

    Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.

  • Theatre care

    An operating theatre is a facility within a hospital where surgical operations are carried out in a sterile environment.

    Benefits can be claimed for theatre care when used in conjunction with any services listed as included on this level of cover.

  • Intensive care

    The term 'intensive care' refers to special medical treatment in which a patient who is dangerously ill is kept under constant observation, typically in a dedicated department of a hospital.

    A hospital's Intensive Care Unit (ICU) provides 24-hour care from a highly-trained team of specialists.

    Benefits can be claimed for intensive care when used in conjunction with any services listed as included on this level of cover.

  • In-hospital rehabilitation

    In-hospital rehabilitation refers to the rehabilitation of patients who have neurological, musculo-skeletal, orthopedic or other medical conditions following stabilisation of their acute medical issues (such as a stroke or surgery).

    Please note: The waiting period for in-hospital rehab is 2 months, even if it's a pre-existing condition.

  • Psychiatric care and treatment

    In-hospital psychiatric care and treatment involves the treatment of mental illness, including drug and alcohol rehabilitation, eating disorders, and post-natal depression.

    Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.

  • Theatre care

    An operating theatre is a facility within a hospital where surgical operations are carried out in a sterile environment.

    Benefits can be claimed for theatre care when used in conjunction with any services listed as included on this level of cover.

  • Intensive care

    The term 'intensive care' refers to special medical treatment in which a patient who is dangerously ill is kept under constant observation, typically in a dedicated department of a hospital.

    A hospital's Intensive Care Unit (ICU) provides 24-hour care from a highly-trained team of specialists.

    Benefits can be claimed for intensive care when used in conjunction with any services listed as included on this level of cover.

  • In-hospital rehabilitation

    In-hospital rehabilitation refers to the rehabilitation of patients who have neurological, musculo-skeletal, orthopedic or other medical conditions following stabilisation of their acute medical issues (such as a stroke or surgery).

    Please note: The waiting period for in-hospital rehab is 2 months, even if it's a pre-existing condition.

  • Psychiatric care and treatment

    In-hospital psychiatric care and treatment involves the treatment of mental illness, including drug and alcohol rehabilitation, eating disorders, and post-natal depression.

    Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.

  • Cancer related services

    Not included.

    If this service is important to you, please choose a higher level of cover.

  • Renal dialysis

    Not included.

    If this service is important to you, please choose a higher level of cover.

  • Palliative care

    This is a restricted service.

    That means you are only covered up to the basic public hospital rates for accommodation, so this service may attract significant out-of-pocket expenses.

    If this service is important to you, please choose Gold or GoldStar instead.

    Please note: The waiting period for inpatient palliative care is 2 months, even if it's a pre-existing condition.

  • In-home hospital services

    Not included.

    If this service is important to you, please choose a higher level of cover.

  • Cancer related services

    There are many types of cancer treatment available. The treatment received will depend on the type of cancer, where it began and whether it's spread (plus general health and personal choices).

    Often, more than one treatment is used. Options include immunotherapy, hormone therapy and targeted therapy, as well as chemotherapy, radiotherapy and/or surgery by an Oncologist.

    Some patients will only have one treatment, but most have a combination of treatments such as surgery with chemotherapy or radiation therapy.

  • Renal dialysis

    Dialysis is the process of removing waste products and excess fluid from the body.

    Dialysis is necessary when the kidneys are not able to adequately filter the blood. There are two types of dialysis - haemodialysis and peritoneal.

  • Palliative care

    This is a restricted service.

    That means you are only covered up to the basic public hospital rates for accommodation, so this service may attract significant out-of-pocket expenses.

    If this service is important to you, please choose Gold or GoldStar instead.

    Please note: The waiting period for inpatient palliative care is 2 months, even if it's a pre-existing condition.

  • In-home hospital services

    Hospital in the Home' is treatment delivered in the comfort and privacy of your own home as an alternative to treatment in a hospital.

    It is widely used across Australia to treat a range of conditions that would normally require inpatient care but now can be provided within the home under medical supervision.

  • Cancer related services

    There are many types of cancer treatment available. The treatment received will depend on the type of cancer, where it began and whether it's spread (plus general health and personal choices).

    Often, more than one treatment is used. Options include immunotherapy, hormone therapy and targeted therapy, as well as chemotherapy, radiotherapy and/or surgery by an Oncologist.

    Some patients will only have one treatment, but most have a combination of treatments such as surgery with chemotherapy or radiation therapy.

  • Renal dialysis

    Dialysis is the process of removing waste products and excess fluid from the body.

    Dialysis is necessary when the kidneys are not able to adequately filter the blood. There are two types of dialysis - haemodialysis and peritoneal.

  • Palliative care

    Palliative care is the care of patients with serious and terminal illnesses, to help relieve symptoms, improve general comfort and help patients live longer.

    In-hospital palliative care is covered or restricted on all HIF Hospital Cover options.

    Please note: The waiting period for inpatient palliative care is 2 months, even if it's a pre-existing condition.

  • In-home hospital services

    Hospital in the Home' is treatment delivered in the comfort and privacy of your own home as an alternative to treatment in a hospital.

    It is widely used across Australia to treat a range of conditions that would normally require inpatient care but now can be provided within the home under medical supervision.

  • Cancer related services

    There are many types of cancer treatment available. The treatment received will depend on the type of cancer, where it began and whether it's spread (plus general health and personal choices).

    Often, more than one treatment is used. Options include immunotherapy, hormone therapy and targeted therapy, as well as chemotherapy, radiotherapy and/or surgery by an Oncologist.

    Some patients will only have one treatment, but most have a combination of treatments such as surgery with chemotherapy or radiation therapy.

  • Renal dialysis

    Dialysis is the process of removing waste products and excess fluid from the body.

    Dialysis is necessary when the kidneys are not able to adequately filter the blood. There are two types of dialysis - haemodialysis and peritoneal.

  • Palliative care

    Palliative care is the care of patients with serious and terminal illnesses, to help relieve symptoms, improve general comfort and help patients live longer.

    In-hospital palliative care is covered or restricted on all HIF Hospital Cover options.

    Please note: The waiting period for inpatient palliative care is 2 months, even if it's a pre-existing condition.

  • In-home hospital services

    Hospital in the Home' is treatment delivered in the comfort and privacy of your own home as an alternative to treatment in a hospital.

    It is widely used across Australia to treat a range of conditions that would normally require inpatient care but now can be provided within the home under medical supervision.

  • AccessGap Cover

    AccessGap Cover is HIF's medical gap cover arrangement, designed to minimise or eliminate out-of-pocket ("gap") expenses for inpatient treatment in a registered hospital or day facility.

    We created this gap cover because doctors are allowed to charge more than the Medicare Benefits Schedule (MBS) if they wish – but if they do, their patients may incur significant gap expenses for the difference between the fee charged and the MBS.

    Alternatively, doctors can choose to opt in to our AccessGap Cover; and if your chosen doctor or specialist has opted in, you can expect to have much lower out-of-pocket costs (if any).

    Currently, HIF members have access to over 30,000 AccessGap-participating doctors and specialists, practising in over 110,000 locations across Australia.

  • AccessGap Cover

    AccessGap Cover is HIF's medical gap cover arrangement, designed to minimise or eliminate out-of-pocket ("gap") expenses for inpatient treatment in a registered hospital or day facility.

    We created this gap cover because doctors are allowed to charge more than the Medicare Benefits Schedule (MBS) if they wish – but if they do, their patients may incur significant gap expenses for the difference between the fee charged and the MBS.

    Alternatively, doctors can choose to opt in to our AccessGap Cover; and if your chosen doctor or specialist has opted in, you can expect to have much lower out-of-pocket costs (if any).

    Currently, HIF members have access to over 30,000 AccessGap-participating doctors and specialists, practising in over 110,000 locations across Australia.

  • AccessGap Cover

    AccessGap Cover is HIF's medical gap cover arrangement, designed to minimise or eliminate out-of-pocket ("gap") expenses for inpatient treatment in a registered hospital or day facility.

    We created this gap cover because doctors are allowed to charge more than the Medicare Benefits Schedule (MBS) if they wish – but if they do, their patients may incur significant gap expenses for the difference between the fee charged and the MBS.

    Alternatively, doctors can choose to opt in to our AccessGap Cover; and if your chosen doctor or specialist has opted in, you can expect to have much lower out-of-pocket costs (if any).

    Currently, HIF members have access to over 30,000 AccessGap-participating doctors and specialists, practising in over 110,000 locations across Australia.

  • AccessGap Cover

    AccessGap Cover is HIF's medical gap cover arrangement, designed to minimise or eliminate out-of-pocket ("gap") expenses for inpatient treatment in a registered hospital or day facility.

    We created this gap cover because doctors are allowed to charge more than the Medicare Benefits Schedule (MBS) if they wish – but if they do, their patients may incur significant gap expenses for the difference between the fee charged and the MBS.

    Alternatively, doctors can choose to opt in to our AccessGap Cover; and if your chosen doctor or specialist has opted in, you can expect to have much lower out-of-pocket costs (if any).

    Currently, HIF members have access to over 30,000 AccessGap-participating doctors and specialists, practising in over 110,000 locations across Australia.

  • Other medical procedures

    Not included.

    GoldVital is a 'basic cover' policy which means you’re only covered for a limited number of hospital services.

    If you would like cover for thousands more inpatient services, please choose a higher level of cover.

  • Other medical procedures

    Did you know... GoldStarter actually covers you for thousands of different medical treatments and procedures?

    As long as the service you wish to claim on has a Medicare item number attached and isn't listed as a restricted or excluded service in this table, you're covered!

    If you'd like to get a medical benefit estimate prior to undergoing elective treatment, please get in touch.

  • Other medical procedures

    Did you know... Gold actually covers you for thousands of different medical treatments and procedures?

    As long as the service you wish to claim on has a Medicare item number attached, you're covered!

    If you'd like to get a medical benefit estimate prior to undergoing elective treatment, please get in touch.

  • Other medical procedures

    Did you know... GoldStar actually covers you for thousands of different medical treatments and procedures?

    As long as the service you wish to claim on has a Medicare item number attached, you're covered!

    If you'd like to get a medical benefit estimate prior to undergoing elective treatment, please get in touch.

     

  • Choice of excess

    An excess is the amount you'll personally contribute towards a hospital admission in order to reduce your private health insurance premium.

    For GoldVital, a standard excess of $500 per person applies - but you only have to pay it once per calendar year (regardless of how many times you're admitted to hospital). For couples memberships, a maximum annual excess of $1,000 applies.

    Single memberships:
    • $500pp

    Couples policies:
    • $500pp up to a max. of $1,000

    Please note: On GoldVital, the excess applies to overnight and same day admissions.

  • Choice of excess

    An excess is the amount you'll personally contribute towards a hospital admission in order to reduce your private health insurance premium.

    For GoldStarter, a standard excess of $200 per person applies - but you only have to pay it once per calendar year (regardless of how many times you're admitted to hospital). For couple or family memberships, a maximum annual excess of $400 applies.

    Single memberships:
    • $200pp

    Couple/family policies:
    • $200pp up to a max. of $400

    Please note: On GoldStarter, the excess applies to overnight and same day admissions.

  • Choice of excess

    An excess is the amount you'll personally contribute towards a hospital admission in order to reduce your private health insurance premium.

    With Gold, you have the choice to apply no excess to your policy, or select from one of the options below in order to reduce your premium.

    If you do select an excess, you’ll only need to pay the amount once per year (and only when your treatment requires an overnight hospital admission).

    Single memberships:
    • $100pp
    • $200pp
    • $400pp

    Couple/family policies:
    • $100pp up to a max. of $200
    • $200pp up to a max. of $400
    • $400pp up to a max. of $800

    Please note: No excess applies to dependents under the age of 18.

    What's happens if we're a family with a student dependent aged 18-25?

    Your excess will apply to all adult family members, but a per-policy maximum does apply.

    So if, for example, all three adults require an overnight hospital admission in the same calendar year and your per-person excess is $200, your policy maximum will therefore be $400.

    That means no excess will be payable for the third admission because you’ve already reached your policy limit for that year.

  • Choice of excess

    An excess is the amount you'll personally contribute towards a hospital admission in order to reduce your private health insurance premium.

    With GoldStar, you have the choice to apply no excess to your policy, or select from one of the options below in order to reduce your premium.

    If you do select an excess, you’ll only need to pay the amount once per year (and only when your treatment requires an overnight hospital admission).

    Single memberships:
    • $200pp
    • $400pp
    • $500pp

    Couple/family policies:
    • $200pp up to a max. of $400
    • $400pp up to a max. of $800
    • $500pp up to a max. of $1,000

    Please note: No excess applies to dependents under the age of 18.

    What's happens if we're a family with a student dependent aged 18-25?

    Your excess will apply to all adult family members, but a per-policy maximum does apply.

    So if, for example, all three adults require an overnight hospital admission in the same calendar year and your per-person excess is $200, your policy maximum will therefore be $400.

    That means no excess will be payable for the third admission because you’ve already reached your policy limit for that year.

What about hospital waiting periods?

Whether we’re answering your call, or helping you switch from another health fund, we don’t like to keep people waiting. But unfortunately waiting periods (the time you have to wait before you can claim for treatment) are a universal necessity. All health funds have them. We wouldn't be able to offer our affordable premiums and generous rebates without them.

Waiting periods protect us and our members against people who simply join us, claim large amounts and then leave. We always try to keep waiting periods to an absolute minimum though.

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.

Waiting period exemption for Psychiatric Care - New Members transferring from another health fund 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.

For HIF Hospital Cover, the waiting periods are as follows:

  • 2 months: General hospitalisation
  • 2 months: Psychiatric care, rehabilitation and palliative care
  • 12 months: All pregnancy related services
  • 12 months: Pre-existing conditions or ailments

What's a pre-existing condition?

A pre-existing condition is defined as: ‘Any ailment, illness, or condition where, in the opinion of a medical adviser appointed by the health insurer, the signs or symptoms of that illness, ailment or condition existed at any time in the period of six months ending on the day on which the person became insured under the policy.’

A pre-existing condition can be identified by the presence of signs or symptoms of the illness, ailment or condition (i.e. it’s not necessary for the member or their doctor to know what their condition is, or for it to be diagnosed). In assessing whether a condition is a pre-existing condition or not, an HIF-appointed medical practitioner will take into account information provided by your treating doctor.

Did you know...

HIF now covers a number of providers who allow you to access hospital services in the comfort of your own home. Depending on your level of cover, the in-home services you can access include chemotherapy, rehabilitation, complex wound management and chronic health disease management. For more information and to find out which providers are covered, get in touch on 1300 134 060 (Monday to Friday) or email hello@hif.com.au


Commonly Asked Questions

Are accidents treated in a public or private hospital?

If you ever have an accident that requires urgent medical treatment, you’ll automatically be admitted to a public hospital Emergency Department for immediate treatment. On some occasions though (if the injury isn’t life threatening, for example), you may be asked if you’d like to be admitted and treated as a public or private patient. In those instances, it’s important to know your rights so here’s a quick rundown of the choices available to you:

 Public hospitalPrivate hospital
 Public patientPrivate patientPrivate patient
How quickly will I be treated?

Elective
Straight away (provided you've served your waiting periods).

Emergency
You'll receive immediate treatment for urgent or life threatening conditions. 

Elective
As soon as a spot becomes available (provided you've served your waiting periods).

Emergency
You'll receive immediate treatment for urgent or life threatening conditions.

Elective
You'll go on a waiting list and you could be waiting for weeks (even months, and over a year in some cases).

Emergency
You'll receive immediate treatment for urgent or life threatening conditions. 

Do I get to choose my own doctor?Yes, unless it's an emergency and your chosen doctor isn't available. Yes, providing your chosen doctor is eligible to work in that public hospital and it's not an emergency.  No, you'll be treated by whichever doctor is appointed by the hospital. 
Do I get to choose which hospital I go to?Yes, providing your chosen hospital can accommodate you and the required facilities are available. Yes, providing your chosen hospital can accommodate you and the required facilities are available. No, you'll be treated by whichever doctor is appointed by the hospital. 
Can I get a private room?Yes, if one is available. (Out-of-pocket expenses may apply if you don't have the right level of HIF Hospital cover). Yes, if one is available. Other patients may have priority depending on their medical needs. Possibly, but only if available and generally only if it's medically necessary. 
Do I have to pay for my hospital accommodation? No, the only expenses you'll need to cover are your hospital excess (if applicable) and an accommodation co-payment if you're in a private room and you are not covered for that. You may need to cover your hospital excess (if applicable) and your personal expenses such as TV hire (this might be negotiable with the hospital). No, but you may have to pay for personal expenses such as TV hire, telephone calls or meals for an overnight boarder (e.g. your partner or parent). 

How does admission differ for public and private patients in a public hospital?

Upon arriving at a public hospital, the staff will explain the admission process to you and ask if you’d like to be admitted as a public or private patient.

If you choose to be treated as a public patient, you will be asked to complete an admission form and provide your Medicare details. All expenses will be covered by Medicare so the admission shouldn't cost you anything.

Alternatively, you can choose to be treated as a private patient, in which case you’ll need to sign an election form that details all the associated costs.

If you do choose to be admitted as a private patient in a public hospital, it’s important to note that some out-of-pocket expenses may apply - expenses that would otherwise have been fully covered under Medicare, such as hospital excess payments (if applicable on your policy), plus any gaps that your doctor may charge for your treatment. So in some circumstances, it may be more financially advantageous to be admitted as a public patient. Just keep in mind that although you’ll lose your ability to choose your doctor and request a private room.

Essentially, your decision should be based on what’s in your best interests. Your private hospital insurance will give you more choices in terms of doctors and accommodation, but if you’re happy using the public system then you shouldn’t feel pressured to provide your Hospital Cover details.


Will my private hospital insurance cover the ambulance fees?

Our Hospital Cover options don’t include ambulance benefits but our popular range of Extras Cover options do, so we always recommend adding Extras to any Hospital policy.

On our basic Vital Options policy you’ll be covered for 50% of the ambulance fee up to an annual limit of $800pp. On all other HIF Extras options, you’ll be covered for 100% of the fee with no annual limit. That means you can claim on as many ambulance trips as you need each year (although we hope you’ll never need any!).

If you’re wondering if Extras Cover is worth having though, just remember that ambulance transport often costs over $900 per trip. In comparison, you can get HIF Extras with full ambulance coverage from a tiny $260.20 per year*, and that covers a host of other services too including dental, optical, physio and chiro.

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