HIF offers a range of health insurance policies. Keep in mind, you should compare a range of providers to help find the best health insurance for your needs.
Each month we analyse over 10,000 hospital and extras insurance products and rate each one on price and features. What we end up with is a nice round number out of 10 that helps you compare products a bit faster.
Before we start scoring, we need to make sure we're comparing like-for-like. Just as it doesn't make sense to compare a toy car with a Porche, it doesn't make sense to compare basic policies to top-tier gold policies. Each policy is given a price score and feature score. These are then combined to determine each policies's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.
For extras benefits, you can claim on the spot using your HIF member card, as long as the healthcare provider has a HICAPS machine. You can also claim online via the member centre, or through the HIF app. You can also claim by mail, including a completed claim form and all the relevant receipts and information, and sending it to HIF, GPO Box X2221, Perth, WA 6000.
For hospital claims, you'll be asked to pay the excess (if applicable) when admitted. From there, any bills will be forwarded to HIF. If this doesn't happen, and you get a bill, post it to HIF, Reply Paid X2221, Perth, WA 6847.
HIF's complaints record could be better. Despite only claiming 0.7% of market share, HIF accounted for 0.9% of all private health insurance complaints received by the Commonwealth Ombudsman.
As part of the Finder Green Awards, we're delighted to announce HIF as our first ever Green Health Insurer of the Year. HIF should be commended for its strong carbon offsetting program and low overall emissions.
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Work out your savings and see the financial case for going sober.
Health insurance is mandatory for most overseas workers. Compare 10+ OVHC policies for working in Australia.
If you’re working or studying overseas, taking out expat health insurance before you leave will ensure you can access a high level of medical care globally and get more than what's offered by travel insurance.
Health insurance premiums will go up by an average of 3.73% in 2025 - find out how much your fund is jacking prices up by.
Need health cover for gastroscopy? Find out how private health insurance and Medicare cover treatment and compare the costs for the most affordable option.
The regional health fund has limited choice, with only two levels of hospital cover. But, it does offer some impressive perks too.
Mental health issues are serious and can be costly, which is why Australian health funds are legally obligated to offer cover for treatment.
Guide for what to do when your health insurance premiums are in arrears and how to avoid this situation.
There are a number of reasons why taking out private health cover now rather than later can be a smart thing for singles to do.
Find out everything you need to know about getting couples health insurance.
