HIF health insurance review

HIF health insurance review: ethical and affordable cover with lots of benefits.

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  • HIF is not-for-profit, so its surpluses go back to its members.
  • It's good for the environment. It's Australia's first carbon-neutral health fund.
  • It's one of a handful of insurers that allow its members to choose their healthcare provider.


  • At around $80.70 a month for a basic hospital policy, it's around the same price as other health funds, only slightly more expensive than ahm and Frank at $71.55.
  • It's only physical branch is in Perth, all operations are done online or over the telephone

Good value HIF policies

These are some good value hospital policies from HIF, one each from the Basic, Bronze and Silver tiers.

Top Pick for

Basic Hospital

HIF Basic Plus Hospital image

From $61.70 per month*

Basic hospital treatments | Private room accommodation in an HIF contracted hospital

More info

Top Pick for

Bronze Hospital

HIF Bronze Plus Hospital image

From $75.15 per month*

23 hospital categories | Tonsils adenoids and grommets | Miscarriage and termination of pregnancy

More info

Top Pick for

Silver Hospital

HIF Silver Plus Hospital image

From $133.35 per month*

All silver treatments | 32 hospital categories | Second opinion on any diagnosis

More info

*Quotes are based on a single individual with less than $90,000 income, $750 excess and living in WA.

HIF health insurance: Our verdict

HIF health fund is a unrestricted not-for-profit fund based in Perth that makes a big deal of its progressive values.

HIF is good if:

  • You like not-for-profits.
  • You want to support progressive social programs - HIF is Australia's first Carbon Neutral health fund and supports groups like Australian Marriage Equality.

HIF is not great if:

  • You prefer physical branches, but live outside of Perth.

Review by our insurance writer Gary Hunter

Compare all policies from HIF

What types of health insurance does HIF offer?

Hospital icon

Hospital Coverage

Basic Plus Hospital cover: This gives access to care as a private patient and not much else. It's good for avoiding the MLS.

Bronze Hospital cover: This covers all 18 necessary treatments to qualify for a bronze rating. That includes:

  • Brain and nervous system
  • Eye (not cataracts)
  • Ear, nose and throat

Bronze Plus Hospital cover: This covers all 18 bronze treatments plus 5 additional treatments. It costs around $17 per week and cover includes:

  • Lung and chest
  • Blood
  • Diabetes (excluding insulin pumps)

Silver Hospital cover: This high-level of cover costs around $22 a week with exclusions for a small number of procedures. It can cover treatments such as:

  • Dental surgery
  • Podiatric surgery (provided by a registered
  • podiatric surgeon)
  • Implantation of hearing devices

Silver Plus Hospital cover: This is a very comprehensive policy covering 32 treatments and costing around $31 per week. It's good for completed families. It can cover you for:

  • Pain management with device
  • Sleep studies
  • Joint replacements

Gold Star Hospital cover: HIF's most comprehensive policy costs around $35 per week and covers all 38 clinical categories including:

  • Dialysis for chronic kidney failure
  • Pregnancy and birth
  • Assisted reproductive services

Extras icon

Extras coverage


  • Simple Options. This provides 60% back or more on things like major and general dental, physio, optical, ambulance and chiro.
  • Vital Options cover. It provides general dental, emergency ambulance and periodontal cover. Plus a 50% rebate for select services like chiropractic, osteopathic, ambulance and physiotherapy up to the limits of the policy.
  • Saver Options. Additional cover includes general dental, podiatry, physiotherapy, pharmacy and optical.
  • Special Options. Additional cover includes the above and major dental.
  • Super Options. Additional cover includes speech therapy, psychology, peak flow meter, orthoptics, orthotics, occupational therapy, hearing aids, medical appliances, diabetics education and auxiliary home nursing.
  • Premium Options. Additional cover includes a much higher benefit and no limits for several treatments. For customers who require regular extra services, this option is useful as it covers all treatment with highest benefits.

Clipboard icon

Combined coverage

You can combine any of HIF's hospital and extras policies. It also offers options for visitors to Australia which provides non-Australian residents visa compliant cover and cover for businesses.

Ambulance icon

Ambulance coverage

Ambulance cover is included in all HIF extras policies. It covers 100% of emergency call-outs and transportation costs, while non-emergency call-outs and transportation attract a $50 co-payment.

HIF health insurance complaints

We looked at the 2020 Ombudsman health insurance complaints among funds with at least a 0.5% national market share.

  • It had a higher complaints ratio than its market share.
  • It had the highest complaints ratio of all the health funds in this list.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. HIF health fund is 17th overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

How many hospital agreements does HIF have in my state?

If you receive hospital treatment in Australia, the benefit paid by your health fund depends on two main factors:

  • The level of health insurance cover you have in place
  • Whether your health fund has an agreement with the hospital where you are treated

The table below features a full list of the number of hospital agreements HIF has in place in each Australian state and territory. The industry maximum figure for all health funds is also included as a guide.

StatePrivate hospital agreementsDay hospital agreements

HIF frequently asked questions

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4 Responses

    Default Gravatar
    davidSeptember 14, 2018

    I would like to know what my cover is so I can add my detail to the form to submit to Dr Simon Smith please. Cheers David

      Avatarfinder Customer Care
      JohnSeptember 14, 2018Staff

      Hi David,

      Thank you for leaving a question.

      If you need to find out what your current coverage is with HIF, you may need to contact them directly to be assisted. You may also check on your insurance certificate to know more on what coverage policy you have taken with HIF. Please contact HIF from a landline by dialing 1300 134 060, or for mobile phones please phone (08) 9227 4200 (standard call charges will apply). HIF customer support is open Monday to Friday at the following times across the country: 6:30am – 5:30pm WA. Hope this helps!


    Default Gravatar
    GaryMarch 13, 2017

    I am a member of over 50 years and would like Bowen therapy added to the claim list as we do not use our physio allotment since having Bowen.
    Has this question been asked before?

      Avatarfinder Customer Care
      ZubairMarch 14, 2017Staff

      Hi Gary,

      Thank you for your question.

      You have contacted finder.com.au, a comparison and information service and not actually HIF Health Insurance.

      You will need to contact HIF Health insurance directly to see if they intend on adding cover for Bowen Technique in the near future. If not, the Bowen Association of Australia has a list on their website of all health funds that cover that treatment.

      All the best,

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