Here's your at-a-glance guide to our most popular pages.

Download a Health Cover Guide.
Want to read our latest Health Cover Guide booklets? Download your copy now.

Browse Our Forms Library.
Whether you want to make a claim, update your policy or suspend your membership for a while, here are all the forms you're likely to need.  

Ready to Make a Claim?
We offer a host of ways to make a health insurance claim, so choose the one that's most convenient for you. Click here to get started

Choose Your Own Hospital and Doctor.
Planning to have a procedure soon? Use our private hospital search and AccessGap specialist search functions to get started.

Get a Hospital & Medical Estimate.
Before receiving any hospital treatment complete this form so you know exactly what your gap, if any, might be.

Find an Extras provider with eClaiming.
Whether you're needing to see a dentist, physio, dietician, psychologist or other type of Extras service provider, HICAPS makes claiming easy. You'll find a list of all eClaiming-enabled providers on the HICAPS website

Get a Second Opinion on any Health Diagnosis, Condition or Treatment Plan.
HIF Second Opinion is a service for Members with top Hospital or Extras Cover, giving you access to the Best Doctors' network of the world's leading medical specialists. Eligible Members also get access to Best Doctors' online medical advice portal, giving you the opportunity to submit questions to a panel of experienced Australian GPs and use their online symptom checker. Find out more

Medicare Levy Surcharge.
If you're currently earning over $93,000 a year and you don't have private hospital cover, you may have to pay extra tax next year as a result of the Federal Government's Medicare Levy Surcharge (MLS). Visit our MLS page to find out more about your eligibility and how we can help you potentially avoid paying the levy in the future.

Lifetime Health Cover Loading.
If you're over 31 and don't have hospital cover right now, but you're planning to purchase a policy in the future, you may incur the Federal Government's 'Lifetime Health Cover' age loading. Visit our dedicated LHC page now to find out more.

Frequently Asked Questions.
Got a question about our policy options, government legislation, the private health insurance industry or HIF in general? Browse our handy online knowledge base for hundreds of articles that may hold the answer.