What else will I be covered for?

As well as chemotherapy, radiotherapy and immunotherapy treatment for cancer, eligible Hospital cover options also cover:

  • Private room accommodation in an HIF-contracted hospital1
  • Theatre care
  • Intensive care
  • Appendectomy
  • Removal of tonsils & adenoids
  • Insertion & removal of grommets
  • Hernia repair
  • Joint reconstruction
  • Endoscopies
  • Breast surgery (medically necessary)
  • Pain management
  • View full comparison

Do hospital waiting periods apply?

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 necessity. We wouldn't be able to offer our affordable premiums and generous benefits without them.

Waiting periods exist so we can protect our members against people who simply join us, claim large amounts and then leave. But we always try to keep waiting periods to an absolute minimum. That’s why, if you join us from another health fund, we’ll take your previous membership into account, so you won’t have to re-serve waiting periods on an equivalent level or lower level of health insurance cover.

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

  • 2 months: General hospitalisation
  • 2 months: Psychiatric care, rehabilitation & palliative care (regardless of whether it's pre-existing or not)
  • 12 months: All pregnancy and birth related services
  • 12 months: Pre-existing conditions or ailments

Will a pre-existing condition affect my cover?

The Pre-Existing Condition waiting period applies to new members and existing members who upgrade their policy to access higher-level benefits. The test applied under the law relies on the presence of signs or symptoms of the illness, ailment or condition, not on a diagnosis (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 forming an opinion about whether or not an illness is a pre-existing condition, an HIF-appointed medical practitioner will take into account information provided by the member’s treating doctor.

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.’

Supporting HIF members with cancer

HIF is delighted to partner with Valion Health's Cancer Support Complete Program. Its aim is to improve the quality of life for HIF members who have had a cancer diagnosis.

Tailored to personal needs, the program is designed to support the physical and mental health of members with cancer. This includes members who are having, or have recently completed, cancer treatment, and those living with advanced cancer. It includes a care plan (which may also include support from a cancer nurse, dietitian, exercise physiologist, psychologist and yoga therapist over a 12-week period).

The Cancer Support Program is available to eligible HIF members at no additional cost through our cancer services partner Valion HealthIf you’ve been an HIF member with any level of Hospital cover (Excluding Basic Plus) for at least 12 months and meet HIF’s and Valion Health’s eligibility requirements - this treatment program could be a great choice for you. For more details please visit our Valion Health webpage.

1 Private room subject to availability.

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View related information about HIF Hospital Cover

Find out more about HIF Hospital Cover.

Use the panels below to learn more about commonly used inpatient services.