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HIF health insurance review

HIF health insurance review: ethical and affordable cover with lots of benefits and 6 Extras plans to choose from.

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Pros

  • HIF is a not-for-profit, member-owned health fund, so profits go back to members.
  • It's good for the environment and is Australia's first carbon-neutral health fund.
  • HIF supports a number of progressive causes, including St John Giving, MarriageEquality.org and the Amanda Young Foundation.
  • It's one of a handful of insurers that allow its members to choose their healthcare provider.

Cons

  • At around $91.38 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.
  • HIF doesn't have physical branches, aside from the head office in Perth. If you're outside of Perth, all operations will be handled online or over the phone.

Green Health Insurer of the Year 2022

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.

Finder green awards 2021

Good value HIF policies

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


*Quotes are based on a single individual with less than $93,000 income, $750 excess and living in WA.

HIF health insurance: Our verdict

HIF is national, unrestricted not-for-profit health fund based in Perth. It has a strong focus on supporting progressive causes, in addition to providing good value health insurance products.

HIF is good if:

  • You want a not-for-profit health fund offering a good range of products.
  • 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 and innovations editor Gary Ross Hunter

What types of health insurance does HIF offer?

Name Product Treatments Price Apply Hide Compare
Basic Plus Hospital $750/$1500
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +3 other treatments covered
$89.19
per month
Bronze Hospital $750/$1500
Bronze$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$102.68
per month
Bronze Plus Hospital $750/$1500
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$104.98
per month
Silver Hospital $750/$1500
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$133.10
per month
Silver Plus Hospital $750/$1500
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +27 other treatments covered
$180.26
per month
Gold Top Hospital Excess $750/$1500
Gold$750 excess
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$241.03
per month
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Name Product Treatments Price Apply Hide Compare
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$26.80
per month
Value Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$34.38
per month
Simple Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$41.96
per month
Essential Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +5 other treatments covered
$51.87
per month
Advanced Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +6 other treatments covered
$76.22
per month
Top Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +6 other treatments covered
$104.04
per month
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HIF health insurance complaints

We looked at the 2022 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 third highest complaints ratio of the 19 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. Only non-restricted funds with a national market share of at least 0.1% are included here. HIF is seventeenth 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
NSW9591
ACT58
VIC7672
QLD5051
SA2627
WA2123
TAS84
NT21

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HIF frequently asked questions

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