The Health Insurance Fund of Australia Limited Gold Top Hospital Excess $750/$1500 won Best Gold Hospital Health Insurance in the 2025 Finder Awards.
Full list of 2025 winnersHIF 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.
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.
Thinking about switching your health insurance to HBF? If you do it through Finder between 15 and 21 May 2025, you could score a $500 digital Visa card. This FAQ breaks down everything you need to know - from who's eligible to when you'll get the reward and how to use it.
Find out how to get cheap health insurance for young people.
The regional health fund has limited choice, with only two levels of hospital cover. But, it does offer some impressive perks too.
Get affordable cover for ambulance transport if you are not already covered under Medicare. Compare quotes from Australian funds to decide which level of protection is best for you.
You can now get CBD oil in Australia without a prescription.
Members Health Fund Alliance funds work as a not-for profit. There are over 25 of them in Australia.
It's not possible to skip waiting periods for health insurance but there are exceptions.
What does private health insurance typically cost? Our comprehensive guide will tell you.
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.
Learn how to get cheap health insurance and what you can expect for your money.
