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HIF (Health Insurance Fund)

HIF (Health Insurance Fund)

3.0 from 112 reviews

Reviews

(40)
(10)
(6)
(20)
(36)
  • Value for Money
    2.6 (15)
  • Transparency
    2.6 (10)
  • Customer Service
    3.0 (12)
John

JohnPerth, WA

  • 2 reviews

Left HIF after many years

published

Began with HIF in 1976 but recent events have disappointed me with their lack of integrity and service. Received a letter to say that due to a postage error HIF our personal details had been compromised. Rang call centre to get more info....very abrupt and dismissive operator. Asked to speak to team leader....couldn’t connect told the TL would call back...didn’t. Through iSelect compared covers and have now joined NIB and saved nearly $1400 per year.

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
Claim MadeNo
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Ben

BenGreater Melbourne (Metropolitan), VIC

Customer Service :(

published
Transparency
Customer Service
Value for Money
Plan CoverageExtras Only
Coverage TypeFamily
Under 30No
Claim MadeYes
Claim Resolution Time<1 week
Claim DateFebruary 2020
Claim ApprovedYes
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Bertie59

Bertie59Perth, WA

  • Verified customer

Glad I made the switch

published

Up until recently, I was with another insurer and paying a very high premium. I recently switched to HIF and while I slightly lowered my cover, I have managed to save a lot of money and still be covered for the things I need. I signed up over the phone and the salesperson, Gavin, was friendly and knowledgeable and made everything easy for me to understand (I'm a bit of a technophobe!). So far I'm very happy with the service and the benefits I've received for my optical and dental claims. I'm glad I've made the switch.

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim MadeYes
Claim Resolution Time<1 week
Claim DateFebruary 2020
Claim ApprovedYes
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
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Adrian WA

Adrian WAPerth, WA

  • Verified customer

HIF saved me $$$ at the dentist

published

I went to the dentist for a check up and clean. I had only recently moved over to HIF and wasn't exactly sure how much they would cover. I was pleasantly surprised that they covered a huge chunk of the amount. I was really impressed and glad I made the move.

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim MadeNo
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Michael

MichaelSydney, NSW

  • 8 reviews

So misleading.

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
Claim MadeYes
Claim Resolution Time2-4 weeks
Claim DateJune 2019
Claim ApprovedYes
See all answers
6 comments
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Michael
Michael
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Michael

MichaelPerth, WA

Excellent Service

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim MadeYes
Claim ApprovedYes
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)

Rates skyrocket increase by nearly 9% every yr rather than the national average of 2.9%

published

Been with HIF for 5 yrs but after 5 yrs of crazy price rises, its time to do some serious shopping around. I've barely used the policy other than dental and a day-patient procedure. Now have had a message that they are no longer covering day procedures. The over $12K I've given them in those 5 yrs could be sitting in a bank acct to cover my medical bills. I think families and couples get better discounts (according to feedback from friends) - but singles you pay through the roof!

Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim MadeNo
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Harjit

HarjitWestern Australia

  • 6 reviews

Issue Resolved

published

HIF Resolved the genuine issue raised by myself promptly. Mistake has been fixed and the policy document has been changed as per the HIF staff conversation with me. I am happy with the outcome.

Transparency
Customer Service
Value for Money
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
Claim MadeNo
See all answers
5 comments
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Harjit
Harjit

Hi Lisa,
I have responded to you by email with all the details and conversations i had with HIF about general Hospitalisation 2 months waiting period for OHVC. Thanks

HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Kazza

KazzaPerth

  • 2 reviews
  • Verified customer

Worst health care

published

Policy is misleading and frankly a complete wrought.
Seemed that whatever we needed cover for, it wasnt covered. Also signed up specifically for Ambulance cover and am told we dont have it. When I asked for the original quotes and voice recordings (which is what they told me they were getting to verify I never asked for ambulance) they dont have them (convenient) and requested I send the info to them!
I somehow went from a gold plan (card says gold, app says bronze) to a bronze plan, not that it matters because anything you need covered, well it isnt.

Looking at replacements have only found one other that tries to sting you an extras cost for ambulance.
They cover stuff medicare covers, they are a total waste of money

Transparency
Customer Service
Value for Money
Plan CoverageHospital Only
Coverage TypeCouple
Under 30No
Claim MadeYes
Claim Resolution Time1-2 weeks
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
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Ren

RenRichmond-Tweed, NSW

Poor customer service, lapsed my policy under misleading information.

published
Plan CoverageHospital Only
Claim MadeYes
Claim Resolution Time1-2 months
Claim DateJanuary 2019
Claim ApprovedYes
2 comments
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Sales manager13

Sales manager13Cairns

  • 6 reviews

Poor communication, useless web site

published

Still waiting for a $150 gift card, now 7 months.
The new web site is a total disaster, insufficient information regarding my policy.
You now have to phone to get your remaining extras amounts, this entails a very long wait for you call to be answered.
WA is not that far from Qld but it could be on the other side of the World when dealing with this company.

Plan CoverageHospital and extras
Coverage TypeCouple
Claim MadeNo
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Tristan

TristanMelbourne

  • 10 reviews
  • Verified customer

Excellent value and coverage for the price until I claimed for crutches!

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateAugust 2019
Claim ApprovedYes
See all answers
9 comments
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Tristan
Tristan

I've updated the review after recent events

HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Anju

AnjuSydney, NSW

  • 4 reviews
  • 8 likes

It is a big scam

published

I took a HIF policy with their promise of $150 FPOS card. Please look out for this as this is a big scam. It has been 3.5 months and the card hasn't reached me yet. I have called them atleast 4 times already. The 1st call they told me that it will only be dispatched after 3 months of holding the policy. Then I called them again on 12th June they said it will be dispatched on the 14th, and today is 19th and i haven't still received it. It is a big big scam. Don't get a policy wit HIF

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Claim MadeNo
See all answers
3 comments
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Anju
Anju

Membership no is 166398

HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Ants

AntsSydney, NSW

  • 3 reviews
  • 4 likes

Time to switch

published

Recently received notice from HIF that my Goldstarter hospital cover will be changed to Bronze Plus starter hospital ( because of the reforms).
Letter mentioned how great the new cover will be and listed the cover inclusions/exclusions however what HIF FAILED to mention is that AMBULANCE COVER will no longer be offered under their hospital policies. I'm a NSW resident, so being informed that ambulance cover will not be available is important to know.
I think HIF is seriously in breach of product disclosure/changes and I will be escalating this matter to the Industry ombudsman.

Value for Money
Plan CoverageHospital Only
Claim MadeNo
3 comments
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Ants
Ants
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Rachel Lee

Rachel LeePerth, WA

HIF rocks ! Especially Carly !

published

Spoke to Carly regarding claiming online as the app wasnt playing ball.
She has gone above and beyond exceeding expectations after I have had issues with my card at my naturopath visits.
This lady is truly an asset to your awesome company. I wish I switched from HBF a lot earlier.
Thank you !!!!

Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Claim MadeYes
Claim Resolution Time<1 week
Claim DateMarch 2019
Claim ApprovedYes
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
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LPE

LPE

  • 2 reviews
  • 4 likes

Ok, but the quality is going down year after year

published

Hi, Been with HIF for a few years now (I think close to about 6+ years), and didnt have any real issues.. While hospital cover was good, the extras was not. Anyway, kept increasing the premiums, so decided to shift to another provider who was cheaper with better coverage! Feel the service and coverage is going down.. they started discontinuing a few products and the service is not as good as it used to be.

I will be shifting shortly.. HIF - life your game or you will start loosing customers (like me, for example, who have been with you and loyal..)..

Cheers.

Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeYes
Claim Resolution Time1-2 weeks
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Fifi

FifiPerth, WA

Unexplained rise for pregnancy cover

published
Plan CoverageHospital Only
Coverage TypeCouple
Claim MadeNo
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)

A joke - be warned!

published

Just over 2 years, nothing like it was presented, the result of a couple of claims was dismal beware of this scamming mob

Insurance claim madeYes
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Cass August

Cass AugustGeelong

  • 2 reviews
  • 1 like

Great cover

published

I signed up to HIF as it was the cheapest option with maternity cover. My hospital cover only included a 3 night stay and I ended up staying 5 nights. I knew I would need to pay a fee for those days and was pleasantly surprised at how low the fee was.
They covered all other aspects of my admission including my elective c-sections costs, and I only had to pay an excess twice, despite being admitted to hospital several times during my pregnancy.
Customer service was also great when I had questions prior to signing up.

Insurance claim madeYes
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)

Was amazing... unitill they took $800 out of my account

published
Insurance claim madeYes
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Page 1 of 6

Questions & Answers

Tina R.

Tina R.asked

Can I claim for a back support brace from HIF

1 answer
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)

Hi Tina, thanks for getting in touch. If you’re an HIF Member and hold Super or Premium Options Extras Cover you will be eligible to claim a rebate for a back support brace under your prosthesis benefits. To do so, we’d simply need a letter of recommendation from your treating practitioner (along with your paid invoice) and you’d also need to have served the applicable 12-month waiting period. I hope that helps, but if you have any further queries please don't hesitate to get in touch with me directly. You can reach me on social@hif.com.au. Thanks, Molly.

Tania Bezuidenhout

Tania Bezuidenhoutasked

I am an HIF customer, I want to pay only for extras (Dental, Cardio and Eyes) what would the disadvantages be?

1 answer
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)

Hi Tania, thanks for your question. I believe you've just spoken to my colleague Sharon who was able to answer your queries regarding your HIF Membership. If I can ever be of assistance in the future though, please don't hesitate to contact us directly on social@hif.com.au. Thanks, Molly.

Tania Bezuidenhout

Tania Bezuidenhoutasked

I am an HIF customer, I want to pay only for extras (Dental, Cardio and Eyes) what would the disadvantages be?

1 answer
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)

Hi Tania, it’s Molly here again. Please accept my sincerest apologies for the delayed response to this question. I’m afraid we didn’t receive a notification from Product Review until this morning. I’m delighted to hear Sharon was able to answer your questions though, but as I mentioned above, please don’t hesitate to contact me directly if we can be of any assistance in the future. Warm regards, Molly.

Get an answer from our members and HIF (Health Insurance Fund) representatives

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