HIF Gold Star Hospital Health Insurance

HIF's Gold Star Hospital policy provides comprehensive cover for less than $8 a day.

HIF is an Australian not-for-profit health fund that's been operating since 1954. They are also

Australia's first certified Carbon Neutral health fund. Their Gold Star hospital insurance policy is 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 does a HIF Gold Star policy include?

As the most comprehensive policy option available, Gold Star includes cover for all 38 clinical categories required for gold tier health insurance. You'll also be covered for private room accommodation in an HIF-contracted private hospital and have access to HIF second opinion service.

FeatureCoveredFeatureCovered
Private room accommodation
  • Yes
Implantation of hearing devices
  • Yes
HIF second opinion service
  • Yes
Insulin pumps
  • Yes
Assisted reproductive services
  • Yes
Sleep studies
  • Yes
Back, neck and spine
  • Yes
Weight loss surgery
  • Yes
Blood
  • Yes
Joint reconstructions
  • Yes
Bone, joint and muscle
  • Yes
Joint replacements
  • Yes
Brain and nervous system
  • Yes
Kidney and bladder
  • Yes
Cataracts
  • Yes
Lung and chest
  • Yes
Chemotherapy, radiotherapy and immunotherapy for cancer
  • Yes
Breast surgery (medically necessary)
  • Yes
Dental surgery
  • Yes
Male reproductive system
  • Yes
Diabetes management (excluding insulin pumps)
  • Yes
Miscarriage and termination of pregnancy
  • Yes
Dialysis for chronic kidney failure
  • Yes
Pain management
  • Yes
Digestive system
  • Yes
Pain management with device
  • Yes
Ear, nose and throat
  • Yes
Palliative care
  • Yes
Eye (not cataracts)
  • Yes
Plastic and reconstructive surgery
  • Yes
Gastrointestinal endoscopy
  • Yes
Podiatric surgery
  • Yes
Gynaecology
  • Yes
Pregnancy and birth
  • Yes
Heart and vascular system
  • Yes
Rehabilitation
  • Yes
Hernia and appendix
  • Yes
Skin
  • Yes
Hospital psychiatric services
  • Yes
Tonsils, adenoids and grommets
  • Yes

Other benefits of HIF Gold Star 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.
  • Choose your own doctor. You can select the doctor or specialist you want to treat you.
  • Hospital accommodation options. You can get private and shared room accommodation in a public hospital or HIF-contracted private hospital.

How do the excess 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 a HIF Gold Star hospital policy, this could be anything from $0 - $750. 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 on a HIF Gold Star policy

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.

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