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 $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.