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HIF Health Insurance

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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  • 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.


  • At around $63.63 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 $90,000 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 writer Gary Hunter

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Sign-up deals with HIF health insurance for 2022


Get 6 weeks free. PLUS 2-month waits on extras waived

Expires 30 Jun 2022
Offer applies for new joins on hospital and extras by 30 June. T&Cs apply.

What types of health insurance does HIF offer?

Hospital icon

Hospital Coverage

Basic Plus Hospital cover: This gives access to basic care as a private patient. It includes treatment in the event of an accident, plus other inpatient services including the removal of tonsils, adenoids and the appendix. It's also good for avoiding the Medicare Levy Surcharge (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 $18 per week and cover includes:

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

Silver Hospital cover: This high-level of cover costs around $23 a week with exclusions for a small number of procedures. It can cover treatments such as:

  • Hospital 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 clinical categories and costing around $32 per week. It's good for completed families. It can cover you for:

  • Pain management with device
  • Sleep studies
  • Joint replacements

Gold Top Hospital cover: HIF's most comprehensive policy costs around $39 per week and covers all 38 clinical categories including:

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

*Note that hospital dental surgery can cover theatre, accommodation and anaesthetist costs for surgery done by a dentist as an inpatient. General dental costs will require an additional extras policy.

Extras icon

Extras coverage


  • Basic Extras. This provides 50% back on things like general dental, emergency ambulance, chiro, osteo and physio. There's no cover for non-PBS pharmaceuticals.
  • Value Extras. Get cover for things like general dental, physio, optical, ambulance, chiro, non-PBS pharmaceuticals, flu shots, emergency and non-emergence ambulance cover and up to $100 on complementary therapies like acupuncture.
  • Simple Extras. This provides 60% back or more on your annual limits for the covers listed above as well as things like major dental.
  • Essential Extras. Standout features include a flexible combined annual limit of $400 per person for physio, chiro, osteo, podiatry and dietetics. Plus, it's possible to combine your dental limit for as much as $1,250 annually.
  • Advanced Extras. Covers more than 20 services including dental, physio, chiro, podiatry and psychology. Optical limits are up to $275 per person per year.
  • Top Extras. Additional cover includes much higher benefits and no limits for treatments such as general dental. For customers who require regular extra services, this option is useful as it covers all treatments with the highest benefits.

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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.

Ambulance icon

Ambulance coverage

Ambulance cover is included in all HIF extras policies. It covers 100% of emergency callouts 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

  1. 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!


  2. 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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