Wonderful Customer Service and no fuss hospital claim – In December 2015 I broke my hand and had to have surgery. I only joined HIF in July 2015 and was worried about the claims process etc. It was so simple and all of the surgeons accounts were paid directly and I had no surprise out of pocket costs just the excess which i was told about beforehand. I very happy as i changed over from Medibank which was a large fund. I dealt with Wendy in the claims, she was very efficient and lovely to deal with!