How does AccessGap work?

Australian doctors can nominate to opt in or out of AccessGap. That means that if you choose an AccessGap doctor, you're likely to have lower out-of-pocket costs.

It's therefore advisable to ask each doctor or specialist if they will treat you under our AccessGap arrangement. To be eligible for AccessGap Cover the doctor/s must be willing to participate for your particular surgery and the account must be lodged directly with HIF (not Medicare).

Search for your nearest AccessGap doctor.
A list of registered participating specialists is available here:

Find an AccessGap Specialist

This search functionality has been provided to HIF by the Australian Health Service Alliance (AHSA). Please note that benefits may be payable for services provided by doctors who are not included on the search below. Please contact us if you cannot identify the doctor or specialist you are seeking.

Want to know your benefit in advance? Request a medical estimate prior to receiving treatment.
Before undergoing any hospital treatment, we strongly recommend that you complete our online Medical Estimate Form (or call us on 1300 134 060) to receive a rebate estimate so you know exactly what your gap, if any, might be.

Key questions to ask your doctor:

  • Will you treat me under AccessGap cover?
  • Will I have any out-of-pocket expenses, and if so, can you provide a written estimation of how much?
  • Will any assisting doctors also use AccessGap Cover and if so, how can I obtain a quote for their services?
  • Are you prepared to send your bill directly to HIF?
  • Am I having a surgically implanted device or prosthesis?
  • Will I have to pay a gap?

If you have any queries about AccessGap or need expert assistance, please call us on 1300 134 060 or email