Which HIF Hospital policies cover heart procedures?

Our Silver, Silver Plus and Gold Star Hospital policies all include heart and vascular systems treatment, plus ward fees, theatre fees and accommodation, and benefits towards your anaesthetist and treating doctors’ fees. View our full Hospital cover comparison table for more.

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 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 policy into account so you don’t have to re-serve waiting periods on an equivalent level or higher level of cover.

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

  • 2 months: General hospitalisation; Psychiatric care and treatment; In-hospital rehabilitation; and Palliative care.
  • 12 months: Pregnancy and Birth.
  • 12 months: Pre-existing conditions or ailments.

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.

Find out more about HIF Hospital Cover.

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