hif
HIF – Health Insurance
HIF Health Insurance is a not-for-profit health fund that’s been supporting Australians since 1954. With a commitment to transparency, flexibility, and value, HIF offers a wide range of Hospital and Extras cover designed to suit individuals, couples, and families at every life stage.
HIF gives members the freedom to choose their own Extras healthcare providers – whether it’s your preferred dentist, optometrist, or physio – without being locked into a network. HIF provides cover that’s uncomplicated and backed by award-winning service. Members also benefit from access to health and wellbeing programs, digital tools for easy claims, and seamless switching with no re-serving of waiting periods on equivalent cover.
Whether you're after simple protection or comprehensive care, HIF makes it easy to find a policy that fits your lifestyle and helps you stay healthy, your way.
HIF Health Insurance
Some of the benefits of choosing HIF Health Insurance include:
- Not-for-profit and member-focused with focus on value and care
- Freedom to choose your own Extras provider – no network restrictions1
- Easy online claims through the HIF Member Centre
- No re-serving of waiting periods when switching from equivalent cover2
- Access to health and wellbeing programs for health conditions and lifestyle support3
- Cover for Hospital, Extras, Ambulance, and Overseas Visitors4
- Helpful resources and guides to make choosing and managing cover simple
- Flexible cover options tailored to suit different life stages
Some things you should know:
Gold hospital cover is not available through Choosi.
- Provider must be legally qualified to practise in Australia and are therefore considered 'approved' by HIF.
- Only applies when switching from an equivalent policy (or lower) with another Australian health fund.
- Available on selected covers; eligibility criteria and clinical approval may apply.
- Product availability and benefits vary by policy type; waiting periods and limits apply.