HIF Travel Insurance comparison and review – Is it right for you?
The Health Insurance Fund of Australia (HIF) started life as a hospital and medical benefits fund for railway workers in 1954. Today, HIF is one of the fastest-growing not-for-profit health funds in Australia.
Who underwrites HIF Travel Insurance
HIF Financial Services Pty Ltd is an authorised representative of the insurer, CGU Insurance Limited.
HIF Travel Insurance Policies
Super Plus Plan
Providing worldwide cover (and compulsory for travels to North America and Japan), HIF Travel Insurance Super Plus Plan can be purchased as a singles or doubles option providing:
- Unlimited cover for medical expenses incurred overseas
- Cancelled or changed travel plans
- Flight delays
- Accidental death
- Lost or theft of luggage and travel documents
Available as a singles or doubles package, this plan provides the minimum amount of cover for travels to Africa, South America, Europe, the UK, India, Russia and the Middle East. It provides:
- Unlimited cover for medical emergency or hospitalisation expenses
- Dental cover
- Luggage and travel documents
- Unlimited cover for changed or cancelled travel plans
If you’re travelling Bali, this plan provides the minimum cover for:
- Medical expenses overseas
- Cancelled or changed travel plans
- Costs of resuming travel
- Lost or stolen luggage and travel documents
This plan is ideal for travel to the South Pacific Islands, New Zealand and Norfolk Island covering:
- Interrupted, cancelled and changed travel plans
- Lost luggage and travel documents
Since your private health insurance will cover medical expenses while travelling in Australia, HIF doesn’t cover medical or dental insurance in its domestic insurance plan. This plan provides unlimited cover for:
- Changes and cancellations of travel plans
- Minor travel delays
- Travel documents
- Car hire excess waivers
Does HIF Travel Insurance cover for pre-existing medical conditions?
If you (or any person in your party insured under the contract) suffer from a pre-existing medical condition that isn’t automatically covered by HIF Travel Insurance, you can apply for this option.
This option only available to Australian residents who have undergone a medical exam. Once you’ve paid an additional premium, the approval number will be listed on your Certificate of Insurance.
If the nature of your pre-existing condition changes and/or the insured person requires new treatment, you will have to reapply for this pre-existing cover option before embarking on your trip.
Important aspects of your policy
Tell your insurer everything
The best thing you can do to ensure a swift response in an emergency situation is to be honest with the information you supply. Your “duty of disclosure” is pivotal in helping your insurance provider decide on which policy is best for your travel insurance needs, and also whether or not to insure you in the first place. If the information you give is found to be insufficient or untrue, your provider can cancel your policy and/or refuse a payout.
If for any reason your travel plans have changed (from those specified in the travel insurance contract), you have an obligation to inform your travel insurance provider. The same goes for insured people who are no longer on holiday with you.
What exclusions apply to HIF Travel Insurance?
Before agreeing to purchase a travel insurance plan, it’s a good idea to read through the general exclusions section. These are incidents that are not covered by the conditions of your plan, and should you suffer injury, loss or damage under this section, you won’t receive any compensation to cover the costs.
General exclusions include:
- Any incident that does not occur during the period of insurance
- The effects of alcohol or drugs
- Off-piste skiing
- Losses covered under any other policy or scheme
- Yachting in international waters
- Consequential loss like the loss of enjoyment
- Pre-existing medical or dental conditions not listed as automatically covered
- Pregnancy or childbirth after the 24th week of pregnancy
- Your failure to take reasonable care
- Racing other than on foot
- Suicide or attempted suicide
- Any act of violence or intentional damage by you
- Any illegal or unlawful act by you
- Any accident, illness or disease if you are 70
HIF Travel Insurance claims
The more effective your handling of the claims process, the quicker you’ll receive the necessary assistance.
- Contact your provider
Policy holders can submit a claim with HIF Travel Insurance 24 hours a day, seven days a week.
- Provide all the required information
Gather all the necessary documents including medical and dental reports, police reports, valuations and receipts. Missing, incomplete or incorrect information will cause delays, which incur penalties for unnecessarily slowing down the process.
All payouts are made in Australian dollars. If you have an excess to pay, this will be deducted from the amount you receive from your provider, or they will ask that you pay it directly to them.