What makes Gold Star hospital insurance so special?

Everything. If you’re single, a couple or a family looking for top hospital cover, it doesn’t get more complete than Gold Star. 

With Gold Star Hospital you'll get:

  • Choice of preferred hospital and treating doctor

    Your choice of hospital and treating doctor or specialist

  • Private room hospital accommodation

    Private room hospital accommodation, as standard

  • Cover for all in-hospital clinical catergories

    Cover for every treatment and service available through Medicare

  • Comprehensive cover for maternity, obstetrics and birth

    Comprehensive maternity, obstetrics and birth cover for you and your baby

  • Unlimited access to Second Opinion and global Best Doctor's network

    Unlimited access to Second Opinion and the global Best Doctors’ network of leading specialists, so you can get a second opinion on any diagnosis, condition or treatment.

Gold Star even has an added bonus over other gold-tier hospital insurance products, because in addition to no-restrictions, no-exclusions hospital cover, you and your family also have access to our Second Opinion service.

HIF Second Opinion gives you access to the Best Doctors' network – a global network of the world's leading medical specialists – enabling you to get a free second opinion on any diagnosis, condition or treatment.

You also get free access to Best Doctors’ online medical advice portal, where you can submit questions to a panel of experienced Australian GPs and access expert insights. It even has an online symptom checker. That’s a whole lot of added value and peace of mind, at no extra cost.

Hospital cover that sets a new gold benchmark

No restrictions. No exclusions. No worries. Gold Star Hospital provides everything you’d expect from gold-tier hospital cover – and that’s literally everything – then adds even more value.

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What's included?

You can read more about our Gold Star insurance below, or download our Gold Star Hospital fact sheet. To see how Gold Star compares, take a look at our hospital cover comparison table.

Key:
  • Included
  • Restricted
  • Excluded

Private hospital - private room

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

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 - 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.

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.

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.

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.

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.

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.

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.

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

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.

 

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


 

Gold Star Hospital Cover FAQs

What is Gold tier private hospital insurance?

Gold tier hospital insurance is the top tier in the Australian Government’s simplified four-tier health cover system. The system, which comprises Basic, Bronze, Silver and Gold, standardises hospital cover categories across Australia.

Each tier has a set of minimum inclusions, and all Australian health insurers must adhere to this criteria, making it easier for you to compare policies and premiums from different health insurance funds.

Learn more about the simplified tiered system and the Private Health Insurance (Reforms) Amendment Rules 2018.

How do the Basic, Bronze, Silver and Gold tiers work?

The Government’s 2019 Private Health Insurance Reforms mean that all health funds must use the same product names – Basic, Bronze, Silver and Gold – and include the same core inpatient hospital services and treatments (known as ‘clinical categories’).

So, a Silver policy from one health insurance provider includes the same clinical categories as other Silver policies from other providers.

And, as you would expect, the higher the tier, the greater the number of clinical categories that must be included as standard. In the case of Gold policies, it means all services and treatments must be included.

Here’s how it works:

  • 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 (MLS) at tax time.
  • Bronze tier hospital insurance. This is a step up, providing more cover, but it’s still pretty basic. Bronze health cover must include 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.

Check out our hospital insurance comparison table for an at-a-glance overview of how the tiers work and where our Plus and Gold Star policies fit in.

Compare Gold Star Hospital

What’s included in Gold Star Hospital insurance?

Gold Star Hospital insurance covers all the clinical categories that Medicare covers, which basically means you’re covered for pretty much any condition or inpatient treatment or care, including all maternity, pregnancy and obstectrics services.

  • No excluded services or treatments
  • No restrictions on any services or treatments
  • Access to our Second Opinion service at no extra cost

And it goes without saying, your policy entitles you to:

  • Your choice of treating doctor or specialist
  • Private room accommodation in an HIF-contracted 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.

There really are no exceptions, exclusions or restrictions with Gold Star Hospital. See for yourself. Download our Gold Star Hospital fact sheet, which includes information about waiting periods and your Gold Star excess options.

What is HIF Second Opinion?

Second Opinion is an exclusive service that’s only available to our Silver Plus and Gold Star members.

With Second Opinion, you have access to Best Doctors – a global network of world-leading medical specialists, available to give you a second opinion on any diagnosis, condition or treatment plan. 

Second Opinion also gives you free access to Best Doctors’ online medical advice portal. Through the portal, you can use Best Doctors’ online symptom checker and ask a panel of experienced Australian GPs for advice.

Is Gold Star the best hospital insurance for me?

It doesn’t get any better than our premium hospital policy, so if you’re looking for full hospital cover, with no exclusions or restrictions, Gold Star is the one for you.

It’s the star of gold-tier hospital covers – hence the Gold Star name – because it includes everything, just like other Gold policies, but provides added value in the form of Second Opinion.

See for yourself how our Gold Star Hospital insurance compares to our other insurance policies, then get a quote. Or, if you’re still not sure if Gold Star is the right cover for you, contact our friendly team and we’ll help you weigh up your options.

Get a quote

What are my excess options with Gold Star Hospital?

All of our policies have a choice of excess options, so you can choose the excess you want – the higher the excess, the lower your premiums. But Gold Star is a little different. For a start, you don’t have to pay an excess for same-day admissions and you won’t have to pay an excess for the dependents on your policy (under the age of 18). Plus, you have the option of a zero excess.

  • Single memberships: $0 (no excess) or $200, $500 or $750 per calendar year.
  • Couple/family policies:
    • $0 (no excess)
    • $200 per person (up to an annual policy maximum of $400)
    • $500 per person (up to an annual policy maximum of $1,500)
    • $750 per person (up to an annual policy maximum of $1,500)
If you choose an excess of $200, $500 or $750, you'll only have to pay your excess once per person per year, no matter how many admissions you have.

What is private hospital cover?

Hospital cover is private health insurance that helps cover the costs of inpatient hospital admissions, including accommodation, theatre fees and charges raised by your doctor or specialist.

All medical treatments and services listed under the Medicare Benefits Schedule (MBS) are covered by private hospital insurance, although specific benefits – and the amount you can claim – depend on your level of cover.

With private hospital insurance, you can:

  • Choose your hospital, doctor and specialist
  • Stay in a private room (if available and included on your cover)
  • Avoid lengthy public hospital waiting lists

Do you have to take out private hospital insurance?

No, it’s entirely your choice, but with the public health system in Australia under increasing pressure, private hospital cover can make a huge difference if you find yourself in need of hospital treatment.

The public health system is a good safety net, but you’re likely to encounter long waiting times for treatment and a growing risk of being ‘bumped’. What’s more, you don’t get any choice in the public system, whereas private hospital insurance gives you the freedom to choose your hospital and doctor or specialist.

At HIF, we cover more than 1,300 private hospitals across Australia. And thanks to our AccessGap scheme (our medical gap arrangement with the Australian Health Service Alliance), you can minimise and even eliminate your out-of-pocket expenses.

How do private insurance and public system waiting times compare?

It’s impossible to say how much longer you’ll wait for treatment in the public system, compared to a patient with private hospital insurance, but you’ll have a longer wait – potentially much longer – in the public health system.

Here’s an example, taken from a 2014-15 report by the Australian Institute of Health and Welfare. The research found that patients in New South Wales who required a knee replacement waited an average of six months in the public system, with some patients (6.6%) waiting over 12 months. Bearing in mind we’re talking about a painful, debilitating condition, that’s a long time to wait.

With private hospital insurance, you can effectively bypass the public waiting list and fast-track your treatment, choosing your doctor or specialist and even your preferred date for surgery.

How does private hospital insurance reduce my tax bill?

It all comes down to how much you earn and the Federal Government’s Medicare Levy Surcharge (MLS).

The MLS is paid by anyone earning over $90,000 and was introduced to encourage people to take out private hospital insurance and relieve pressure on the public hospital system. The levy increases incrementally with your income, so the more you earn, the more you pay at tax time – unless you have private hospital cover, in which case you don’t pay the MLS at all.

If you’d like to see how the Medicare Levy Surcharge works and how much you can save at tax time, use our Medicare Levy Surcharge calculator.

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

Without a doubt. If you leave it too late, you’ll be hit by Lifetime Health Cover Loading (LHC).

The loading is another government incentive designed to encourage people to take out private hospital insurance and reduce the burden on the public system. It’s an additional cost that’s applied to private hospital insurance premiums, based on when you first took out hospital cover. In short, the later you leave it, the more expensive it’s likely to be when you eventually take out private hospital insurance.

Read all about how Lifetime Health Cover Loading works and rewards you for taking out hospital cover sooner rather than later.

How do our Hospital excess options work?

All of our Hospital insurance policies have a choice of excess options. With Gold Star, you can even have a zero excess. The higher the excess you opt for, the lower your premiums.

Here are the excess options for each level of Hospital 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 cover and excess you choose, you’ll only ever pay your excess on admission to hospital once per calendar year, no matter how many times you’re admitted in the same year.

Get a quote

Why are there waiting periods with private hospital cover?

Sadly, waiting periods (the time you have to wait before you can claim a benefit) are a necessity for all Australian health funds. Without waiting periods, people could join a health fund and claim for an expensive treatment, then cancel their cover. This wouldn’t be fair on the remaining members.

But we don’t like keeping you waiting at HIF, whether you’re requesting a quote, planning treatment or submitting a claim. We’re a not-for-profit health fund, so we aren’t worried about keeping shareholders happy (we don’t have any). It’s all about our members.

That’s why, even though we have standard waiting periods, if you’re joining us from another health fund, we’ll take your previous membership into account. In other words, you don’t have to re-serve waiting periods on an equivalent level or higher level of cover at HIF.

What are our standard Hospital insurance waiting periods?

If you’re switching to HIF from another Australian health fund or you’re an existing HIF Member who’s upgrading, you don’t have to re-serve any waiting periods you’ve already served on your current hospital cover.

Our standard waiting periods only apply if you’re new to private hospital insurance and you haven’t been covered for a treatment or service before:

  • 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 funds?

We’re a not-for-profit health fund, so we don’t have shareholders to worry about. Instead, we focus all our efforts – and profits – on delivering better services, benefits and outcomes for our members. We’ve been a not-for-profit fund since we started out, over 65 years ago. That means we also bring a wealth of experience to everything we do. It means we’ve continually evolved our insurance policies and services to meet our members’ changing needs. Learn more about why we’re different and why more and more Australians are joining us.

I’m with another Australian health fund. How do I switch to HIF and Gold Star?

We can take care of all the paperwork and deal with your current health fund on your behalf. All you need to do is tick the box that authorises us to arrange the switch for you (if you’re applying online) or give us verbal authorisation (if you’re applying over the phone). It’s as simple as that, so why not compare our Hospital insurance options and get a no-obligation quote, then let us do all the hard work.

Should I inform HIF before I go into hospital?

That’s a big ‘yes’. You’re not obliged to, but if you contact us in advance we can ensure you get maximum value from your hospital cover. In addition to a full estimate, we’ll explain what (if any) ‘gap’ there may be and answer any questions you have – undergoing hospital treatment can be a stressful and confusing experience at the best of times. To get an estimate from us, you’ll need a medical estimate from your doctor or specialist (with a list of billable items). Once you have that, you can complete our online Medical Estimate Form or call us on 1300 13 40 60.

What is a ‘gap’ payment?

Usually, if you have private hospital insurance and you go into hospital, Medicare covers the first 75% of the cost and your hospital insurance covers the remaining 25%. However, if your doctor or specialist charges more for your treatment than the cost outlined in the Medical Benefits Schedule (a list of government-recommended costs for medical services), Medicare and your hospital insurance may not cover the whole cost. This would leave you with an out-of-pocket expense, known as a ‘gap’. But that’s where our AccessGap scheme comes in. Learn more about AccessGap and how we can minimise or eliminate any out-of-pocket costs.


 

Gold Star Hospital Cover

From

Our Gold Star insurance covers everything, so you don’t have to worry about anything. With Gold Star Hospital you will get:

  • Choice of hospital and treating doctor
  • Private room hospital accommodation
  • Cover for all in-hospital clinical catergories
  • Maternity, obstetrics and birth

Get a Quote


 

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.