Manage your membership at a time that suits you.

Our Online Member Centre gives you access a range of services designed to help you manage your membership with the click of a mouse. Available online 24/7, it allows you to update your personal details, view your claims history, view your extras annual limits, make a payment, update your payment details and add direct debit billing, add a new member, download tax statements, and much much more.

Our HIF Mobile App brings your health cover to your fingertips. Access and update important membership and personal information quickly and securely with Face ID, a custom pin or your fingerprint, view your previous claims and track your claims history, view your extras limits to see what you have used, if you’re an Android user, simply use the Tap & Claim functionality when visiting your provider, using your phone and submit the Extras claim instantly or if you’re an Apple user, just answer a few questions, take a quick picture of your claim and let us take care of the rest.

Member benefits.

In addition to our focus on Member experience, we aim to reward Member loyalty through these nine 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. HIF members get $50 of pet insurance.

All eligible HIF health members can now save on their pet insurance policies. A $50 discount will be automatically applied for new HIF pet members when they take out a policy.

3. Exclusive Member competitions.
We regularly run competitions for our Members, so bookmark our competitions page and check back every month to see what's new. 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 GoldStar Hospital, Silver Plus Hospital and/or Premium Options 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