HIF (Health Insurance Fund)

I have full insurance once admitted to hospital with a small excess. I recently arrived in an ambulance after an accident and I need urgent surgery on my leg and admission to a hospital. I was prepared to be transferred to private hospital (who were the only facility ready to admit me urgently and operate that day). HIF advise the receiving Hospital that I don't have coverage and they wont cover charges at the private hospital). I have coverage, they later claim it was mis communication. I was fortunate to catch a break at a public hospital an...

I signed up with HIF and cancelled in my cooling off period as I feel the amount they pay back on extras is very small. Despite giving them 5-10 minutes of my time when they called me, it has been two weeks and they still have over $4,000 of my money. I sent another follow up and they didn't respond. GIVE ME MY MONEY.

UPDATE MARCH 2022 :
After finally getting surgery for the prostate condition below I am now out of pocket $8000 for surgeon , hospital, anaesthetic etc. I recently re joined but was a previous member. HIF made me send signed waivers from specialist and GP for a "pre existing condition": query as well to make a claim (for which I got nothing back).
Yet not one cent in benefits paid to me so far from HIF!
Their reply below.
"Thank you for contacting HIF.
We have processed the hospital claim from XXX Hospital and paid benefits as per our estim...

I have been lodging an extras claim for months now only to be told over and over that the document I have submitted is incorrect. I was asked to submit an itemised account from the merchant and so I emailed them to ask for it. The merchant obviously sent me a tax invoice which is an itemised bill. But HIF refuse to acknowledge this and still demand that I send an “itemised bill”. I then asked HIF what is an itemised bill and isn’t that the same as a tax invoice?! I AM DONE. It’s disappointing that you keep increasing premiums but is making it difficult to make claims!!!! I would have rated this ZERO star if I can!

I submitted a review 6 years ago, and I wanted to update this with experience-based feedback.
Over the course of this time, I transitioned from Overseas Visitors Health Cover to a Domestic Plan as I got my Permanent Residency and in either plan, HIF provided the cover I needed, and successfully helped with the different procedures I went under over the years without any complaint whatsoever.
I understand that dealing with insurance providers can be complicated, but I personally find doing all the necessary reading and understanding your cover i...

Thanks HIF for not assisting your customers during a global pandemic!

HIF does not cover the cost of testing for COVID-19!

Your health insurance is USELESS!

Been paying our monthly contributions $305 for the past 2 years and never used a benefit, this is how you take care of your customers!?

HIF has been great for years until 2020 when they got greedy and decided that our cover would no longer include excess free day procedures or private room in hospital.

My wife was admitted for emergency back surgery. Very stressful situation. I spoke to HIF literally 30min before she was admitted and they were very helpful with the process etc
HIF were there when we needed and I would recommend.
Thanks!

Never been so disappointed as a fund that focuses on being not for profit for the benefit of members...what a joke. Family cover that is beyond ridiculously expensive to then use the pre-existing condition clause. Got the call today to say declining claim and I will be declining your services as I am already looking for a new provider. Been with HIF since 2007 and will not come back. You have had enough money out of me. So I am left with a daughter with lifelong potential fertility issues, I would of been better saving all the money I have given you and paying for the service myself. Worst service I have ever experienced. I have already started getting quotes from other providers.

Been with hif for years, upgraded to the top cover ten months ago. My wife needed urgent exploratory surgery, hif had over a week to investigate whether it was pre existing or not and now on the day we had to postpone the surgery because hif wouldn't cover us. I'm paying 240 a fortnight and both the gp and the surgeon signed the form to say it was not pre existing. Worst health cover.

Had a bad experience with hif. I took a policy but i cancelled before start a date but they debited from account. I requested them for refund they denied to refund.

I have been a member for 5+ years and have added my wife and now newborn son to our cover. The cover is brilliant and covers all our needs for a affordable price. Every time I have contacted HIF the staff are so friendly and helpful. Every claim I have made has been paid and the team make sure everything is sorted so promptly.

As a long term member it is increasingly difficult to justify remaining loyal. Price increases every year and above the average, excess introduced and customer service that’s touch and go. I had to organise my daughters insurance and spoke with Lisa a few years ago and she was lovely, and then it was one mistake after another. The poor girl was calling me to apologise and to her credit took ownership for mistakes that I have no doubt weren’t hers. Then I received a gift pack, thanks but a towel and bag don’t mean anything. We’re on top cover, a...

I was with them from early 2011 till 2013 on overseas visitor hospital cover. My wife joined a few month later.
11 month after my wife joining HIF our first child was born and needed intensive care, and hospital costs came to about 20k. Due to her not having completed 12 month waiting period HIF first declined to cover these costs. However after I mentioned that they have earlier had told me over the phone that it would be covered (wrongly assuming me and my wife joined at the same time), they quickly (within hour) investigated the recorded calls and told me they will accept the claim.
We were of course over the moon! That time 20k was hell lot of money that we didn't have.
Belated thanks to HIF!

Poor customer service.
Been a loyal customer for 5 years.
Membership was cancelled due to credit card being compromised. Was busy completely forgot to update my payment details until i received an email from them advise membership cancelled. Call them to sort thing out and they said i can't payback the owing amount, membership already cancelled cannot be reinstate. Forcing me to rejoin on a new policy and having to reserve my waiting period again.

Just avoid them please. Very disappointed.