Compare HIF health insurance


A nonprofit and carbon-neutral health fund, originally founded in WA in 1954.

Fund information


HIF summary

Is HIF nonprofit? 

Does HIF get many complaints from members? 

How good is HIF's gap cover? 

How many hospital agreements does HIF have in my state? 

Does HIF offer any discounts?

Does HIF offer ambulance cover?

Does HIF let you claim online or in-app?

What CHOICE Community says about HIF


HIF summary

HIF

The nonprofit Health Insurance Fund of Australia, or HIF, was founded in WA in 1954 and today has close to 120,000 members. It’s also Australia’s first and only certified carbon-neutral health fund.

HIF contact details

Phone: 1300 13 40 60

Email: hello@hif.com.au

Website: hif.com.au


Is HIF nonprofit?

Yes.


Find better health cover with CHOICE. Compare health insurance now.

Does HIF get many complaints from members?

HIF complaints rating: Medium

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
  • The infographic below shows the complaints about the fund to the Ombudsman as a percentage of all complaints. Complaints can be about benefits or customer service. The most serious complaints are escalated for investigation.
  • The higher the share of complaints a fund receives above its market share, the worse its performance compared to other funds. If its share of complaints is below its market share, that's a better result.

HIF accounts for...

0.9% of the health insurance market

0.4% of all complaints about benefit payments

0.3% of all complaints about service

0.2% of all complaints that are escalated to investigations.

How good is HIF's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that HIF covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

HIF gap cover performance by state

New South Wales (NSW)

Average

Australian Capital Territory (ACT)

Average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Average

Tasmania (Tas)

Average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

HIF – 84.1%

Industry average – 86.3%

Australian Capital Territory (ACT) 

HIF – 74.6%

Industry average – 76.7%

Victoria (Vic) 

HIF – 88.2%

Industry average – 85.0%

Queensland (Qld) 

HIF – 89.0%

Industry average – 85.1%

South Australia (SA) 

HIF – 88.8%

Industry average – 86.8%

Western Australia (WA) 

HIF – 87.0%

Industry average – 90.1%

Tasmania (Tas) 

HIF – 92.7%

Industry average – 83.0%

Northern Territory (NT) 

HIF – 88.9%

Industry average – 80.1%

How many hospital agreements does HIF have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements HIF has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

HIF has

ACT

6 private hospital agreements out of an industry maximum of 7

7 day hospital agreements out of an industry maximum of 8

NSW

100 private hospital agreements out of an industry maximum of 100

89 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

53 private hospital agreements out of an industry maximum of 58

48 day hospital agreements out of an industry maximum of 53

SA

25 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

5 private hospital agreements out of an industry maximum of 8

3 day hospital agreements out of an industry maximum of 6

Vic

78 private hospital agreements out of an industry maximum of 79

75 day hospital agreements out of an industry maximum of 79

WA

22 private hospital agreements out of an industry maximum of 23

23 day hospital agreements out of an industry maximum of 29

Find better health cover with CHOICE. Compare health insurance now.


Does HIF offer any discounts?

Discount for direct debit: None

Discount for annual prepay: 4%

Total discount for annual prepay via direct debit: 4%


Does HIF offer ambulance cover?

All HIF extras and combined policies have emergency ambulance (road ambulance only).

Cover is capped for Vital Options at:

  • 50% of fee up to an overall policy annual limit
  • one service per person / two per policy a year.

Co-payment of $50 per service applies to non-emergency call-outs and transportation. 

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


Does HIF let you claim online or in-app?

Up to $700 a day of extras benefits can be claimed via email or the fund's app (iOS and Android).


Find better health cover with CHOICE. Compare health insurance now.


What CHOICE Community says about HIF

CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about HIF to share your experiences or gain more insights into this health fund.