Two levels of gold hospital cover, providing comprehensive cover for less than $5 a day.
HIF is an Australian not-for-profit health fund that's been operating since 1954. They offer two Gold hospital insurance policies, designed to cover you for a wide range of situations and treatments in hospital.
Read on to find out if their comprehensive cover is right for you.
What gold cover options are available?
HIF offers two types of gold hospital cover: Gold and Gold Star. In addition to the services provided by Gold cover listed below, Gold Star cover allows for a private hospital room no matter what you're admitted for, and access to the HIF Second Opinion service.
|Feature||Gold Hospital||Gold Star Hospital|
|HIF Second Opinion|
|Private room (all hospital admissions)|
|Brain and nervous system|
|Ear, nose and throat|
|Tonsils, adenoids and grommets|
|Bone, joint and muscle|
|Joint reconstructions and replacements|
|Hernia and appendix|
|Gynaecology/male reproductive system|
|Heart and vascular system|
|Back, neck and spine|
|Medically necessary cosmetic surgery|
|Pregnancy and birth|
|Assisted reproductive services|
Other benefits of HIF Gold Hospital Cover
In addition to the benefits listed above, HIF provides the following with their gold hospital policies:
- AccessGap Cover. Going to or being treated by a doctor who participates in the AccessGap cover scheme will likely result in reduced out-of-pocket costs.
- HIF Second Opinion. With Gold Star cover, you have access to the Best Doctors network, allowing you to get a second opinion on any diagnosis, condition or treatment. You also get access to the Best Doctors online medical advice portal.
- Save when paying annually. If you pay your premiums on a yearly basis, you'll receive a 4% discount.
How do the costs work?
When you're admitted to hospital for anything requiring an overnight stay, you'll be required to pay the excess nominated in your policy. For HIF Gold or Gold Star hospital policies, this could be anything from $0 - $500. Remember that the higher the excess you nominate in your policy, the lower your premiums.
Waiting periods and limitations
If this is your first time taking out this level of private health cover, a number of standard waiting periods apply:
- 2 months: For general hospitalisation, psychiatric care, rehabilitation and palliative care.
- 12 months: For pre-existing conditions.
How to make a claim
When you're admitted to hospital as a private patient, you'll be requested to pay the applicable excess for your hospital cover. Following this, all hospital and doctor's accounts should be sent directly to HIF, who will process it for you.
If for some reason you are issued an account, you can mail it to HIF along with a claim form to have it processed.