What is a Clearance Certificate?

When a customer cancels or switches their health cover to HIF, we will provide or request from their other insurer, a document called a Clearance Certificate. 

The certificate provides HIF with all the details we need in order to confirm and finalise the customer's new policy with us, such as:

  • their length of membership with their old fund  
  • their product description 
  • any waiting periods that may still be outstanding on their old policy
  • previously paid claims in the past 12 months; and
  • any Lifetime Health Cover loading that may apply on hospital cover

The previous fund then has 14 working days to supply the certificate to HIF.