Manage your membership at a time that suits you.

What if you want to update or manage your membership without calling our friendly team? Or make or track a claim? Or access the host of resources and benefits that come with your membership? Well the answers are all at your fingertips.

1. There’s our Online Member Centre
Just log in to manage your membership 24/7. Update your personal or payment details, add a member or direct debit billing, view your claims history and Extras annual limits, get an Extras benefit quote prior to treatment*, download tax statements and more, all with a few clicks.

2. Then there’s our Mobile App
Like our Online Member Centre, our mobile app makes managing and updating your membership 24/7 easy, with a whole heap of functions and options at your fingertips, including making and tracking claims.

If you have an Android mobile, you can submit Extras claims instantly. Simply use the Tap and Claim functionality when you visit your healthcare provider. Got an Apple phone? Answer a few questions via our in-app claim form, take a quick photo of your claim receipt and you’re done. Quick, easy and secure.

3. And don’t forget our Website
It’s your health cover HQ, jam-packed with useful resources, handy tools and great member benefits. Got a question? Ask away using our ‘FAQ’ search function for answers about claiming, products, policies and more, plus at-a-click access to factsheets and forms.

Need to find a hospital? Search for one near you using our ‘Find a private hospital’ page. You’re covered for private treatment at almost 1,300 hospitals around Australia. While you’re there, use our Access Gap Cover tool to minimise or eliminate out-of-pocket expenses for inpatient medical services.

From claiming information and forms, to exclusive member benefits and partner offers, to expert healthy living and wellbeing advice, tips, and hacks in our online HealthHub and our SmartHealth newsletter, it’s all just a click or tap away at HIF.

Member benefits.

In addition to our focus on member experience, we aim to reward member loyalty through these popular initiatives:

1. Member rewards program - earn $70 each time you send a new member our way!
A lot of our new memberships result from word of mouth referrals – happy members tell their friends about HIF and in turn, they become new happy members. And because we value member referrals, we'll send you a $70 eftpos card every time you successfully refer a friend (and there's no limit to how many you can earn!) Check out the Member Rewards page to find out more.

2. Access to exclusive partnerships.
HIF members have exclusive access to a range of added member benefits through our partnerships with a range of health and wellbeing partners, including: The Australian Medical Association (WA), HIF Second Opinion Service, Mental Health Navigator, St John Urgent Care Centres, St John Giving, Medicinal Cannabis support, The Quest Innitiative, Flu Vaccinations, Telehealth, Kieser Centres and Valion Health.

3. Exclusive member competitions.
From time to time we regularly run competitions for our members via our SmartHealth newsletter and social channels. To check out previous prizes and giveaways, explore our competition winners page too.

4. Claim a little Extra over time.
Members with eligible Extras cover are rewarded with incrementally higher benefits and annual limits for the first 5 years of Membership. Benefits for chiro, osteo, and complementary therapies all increase after 3 years, while benefits for optical, physio, speech therapy, occupational therapy and hearing aids all increase after 5 years. Our dental benefits and annual limits also increase every year for the first five years of membership on eligible products.  

5. Access bonus discounts on optical items - some up to 25%!
Whether you're a savvy online shopper or real-life retail therapy lover, we've got you covered. Check out the bonus savings and discounts on our Optical Cover page and you'll be sure to find a deal that suits your optical needs and budget.

6. Got top Hospital or Extras cover? Get a Second Opinion on any diagnosis or treatment plan.
HIF Second Opinion is a service for HIF members with Gold Top Hospital, Silver Plus Hospital and/or Top Extras cover.  It gives you access to the Best Doctors' network of the world's leading medical specialists, enabling you to get a free second opinion on any diagnosis, condition or treatment. Plus, eligible HIF members get access to the Best Doctors' online medical advice portal and their new Mental Health Navigator program, giving you the opportunity to submit questions to a panel of experienced Australian GPs, access expert insights and use their online symptom checker.

7. Quarterly member newsletter.
Every quarter, HIF members receive a copy of our SmartHealth newsletter, packed full of competitions, recipes, helpful articles and health tips. You can also choose whether you'd like to receive your newsletter by post or email. 

8. Great value travel insurance.
HIF members can access great rates on our travel insurance options, meaning you can insure the health of your family at home and away. 

Top 10 commonly asked questions.

Got a query about your membership? Check out the latest Member Q&As below to see if the answer you need is right here (and if it's not, we’re only a phone call or email away).

View all membership Q&A's in our online knowledge base

*Terms and Conditions

HIF members with Extras cover can find out an estimate of benefits on selected Extras services prior to treatment by using the 'Get Extras Benefit Quote' tool available through HIF’s Online Member Centre. You can register for the Online Member Centre using your HIF membership number.