Before taking out private health insurance with us, all adult Members to be covered on your HIF policy must read our Fund Rules. This includes dependents over the age of 18. By purchasing a private health insurance policy with HIF, you and all persons on your membership become Members of our Fund and agree to our Fund Rules.
HIF’s Fund Rules outline the terms and conditions of your cover. It sets out the arrangements for the membership of and the payment of benefits by HIF.
We recommend that these Fund Rules be read together with our Health Cover Guide and Product Factsheets.