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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 $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.
*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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Compare prices from 30+ Aussie funds in under 30 seconds.
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:
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.
State
Private hospital agreements
Day hospital agreements
NSW
95
91
ACT
5
8
VIC
76
72
QLD
50
51
SA
26
27
WA
21
23
TAS
8
4
NT
2
1
Why you can trust Finder's health insurance experts
We're free
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
HIF frequently asked questions
Yes, HIF is a national not-for-profit health fund, based in Perth. You don't need to be from Western Australia to be covered by HIF.
If you need to make an extras claim with HIF, there are several ways to submit your claim:
On the spot. Healthcare providers with electronic claiming technology ((HICAPS or iSOFT)" can settle your account with you on the spot. All you need to do is swipe your HIF membership card and pay the difference (if any).
Online. HIF's Online Member Centre gives you access to a range of services to help manage your policy including lodging an Extras claim online. Even better, you'll instantly see the estimated benefit payable! Before you get started, you'll just need to ensure that your provider's fees are paid in full before uploading receipts.
On your mobile. Submit Extras claims anytime, anywhere, with their easy-to-use mobile App. It's fast, free and reduces paper waste. HIF's Member App also allows Members to update their contact details, view their policy information and claims history, order replacement membership cards, contact HIF and more.
By email. For paid Extras accounts, simply email a scan of your completed HIF claim form and associated receipts to claims@hif.com.au
By post. Complete an HIF claim form and post it to: HIF, GPO Box X2221, Perth WA 6847.
Dependents can stay on family membership until their 21st birthday. After this they can stay on the family membership longer if they are full time students and are not married or in a de-facto relationship.
No. HIF does not offer any overseas student health cover (OSHC) policies.
Yes. HIF offers OVHC policies for working visa and non-working visa holders. Working visa holders can choose from Basic Working Visa, Essential Working Visa, Intermediate Working Visa or Comprehensive Working Visa.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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