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HIF (Health Insurance Fund)

HIF (Health Insurance Fund)

2.9 from 123 reviews · View Statistics

Reviews

  • Value for Money
    2.7 (25)
  • Transparency
    2.5 (20)
  • Customer Service
    3.0 (24)
  • Claim Resolution Time
    • <1 week (6)
    • 1-2 weeks (5)
    • 2-4 weeks (1)
    • 1-2 months (1)
  • Claim ApprovedYes (12) · No (2)
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2020 Gold cover tricks, greed & ripping off

published

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.

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

Ben

  • 3 reviews
  • 1 like

Covered when you need

published

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!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim Resolution Time1-2 weeks
Claim ApprovedYes
See all answers
2 comments
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Ben
Ben

Shall do! Thanks!!

Pre-Existing clause seems to be an easy out

published

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.

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

BenPerth, WA

Worst health care ever

published

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.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim DateSeptember 2020
Claim ApprovedNo
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)

had a bad experience with hif never taking this insurance service. Don't loot people's money

published

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.

Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
James

JamesMetropolitan Adelaide, SA

  • 10 reviews
  • 5 likes

Best private health

published

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.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Julie S.

Julie S.Sydney, NSW

  • 2 reviews
  • 2 likes

Touch and go

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim Resolution Time1-2 weeks
Claim ApprovedYes
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Ravshan U.

Ravshan U.Perth, WA

I can't be more thankful!

published

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!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital Only
Coverage TypeCouple
Under 30No
Claim Resolution Time<1 week
Claim DateJuly 2012
Claim ApprovedYes
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Ann

AnnSydney, NSW

  • 6 reviews
  • 1 like

Just simply avoid them at all costs

published

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.

Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageExtras Only
Coverage TypeSingle
Under 30No
See all answers
1 comment
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
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Mrs A

Mrs APerth, WA

  • 2 reviews
  • 2 likes
  • Verified customer

A very happy HIF member.

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
Claim Resolution Time<1 week
Claim DateApril 2020
Claim ApprovedYes
See all answers
2 comments
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Mrs A
Mrs A

David, what a lovely response! Thank you very much for taking the time to write such a comprehensive and caring reply. My husband and I are doing great now thanks, both happy and healthy thanks to HIF. :) Take care and keep up the great work!

Unethical and poor customer service

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
See all answers
3 comments
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Tristan
Tristan
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)
Chris

Chris

  • 4 reviews
  • 6 likes

Dishonest and keep your money

published

I rang HIF on 31 March to cancel my health insurance policy, with an effective cancel date of 4 April. On 5 April I found that HIF had charged my credit card for another month's insurance. I rang HIF and they assured me a refund would be issued on my card for the month's insurance within a week. It is now 20 April and I have yet to receive a refund.

It's not bad enough that HIF charged my card after I cancelled, but now they are holding on to the funds. It should not take more than 2 weeks to issue a refund! Very poor service and outdated processes. They still haven't implemented the ability to change payment methods on their online portal.

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

JohnPerth, WA

  • 4 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.

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

BenGreater Melbourne (Metropolitan), VIC

Customer Service :(

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageExtras Only
Coverage TypeFamily
Under 30No
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.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
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.

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

MichaelSydney, NSW

  • 9 reviews
  • 9 likes

So misleading.

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

CCork

  • 2 reviews
  • 2 likes

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

HarjitWestern Australia

  • 8 reviews
  • 4 likes

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.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
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)
Page 1 of 7

Questions & Answers

Peter McNess

Peter McNessasked

Hello
This is Peter Mcness one of your members.
Please let me know, what is the incentive reward for getting a family member or friend to switch from Medibank to HIF?
Thanks

1 answer
HIF
HIF

Hi Peter,

Thanks for your question. It’s our preference to reward our existing members which is why we have our member referral program. If you recommend HIF to family or friends, make sure they mention your name when joining as you'll be rewarded with a $70 eftpos card for each successful referral (and there's no limit to how many you can earn!). Information on our Member Rewards Program can be found on our website if you’re interested in finding out more: www.hif.com.au/members/member-rewards

Peter, if you have any more questions or feedback, please don’t hesitate to email me directly at social@hif.com.au.

Warm regards, Lisa.

glenville

glenvilleasked

I am currently a member of HIF on Goldstar basic. I suffer from sleep apnea. If I buy a Cpap Machine, can I claim something from the fund? glenvilleaitken@gmial.com. Thank you.

2 answers
HIF (Health Insurance Fund)
HIF A.HIF (Health Insurance Fund)

Hello Glenville,

Thanks for your question. We certainly do pay a rebate on CPAP machines however it’s included on our Super or Premium Options Extras Covers (not Hospital cover) within the External Prosthesis / Medical Appliance category. Here's a quick overview of what can be claimed:

One machine can be claimed every 5 years from the previous supply (per person) and the benefit will be deducted from the Prosthesis annual limit of $1,500. The benefits payable are:
$300 for Members who've held Super or Premium Options for 3-5 years.
$600 for Members who've held Super or Premium Options for 5+ years.

It’s important to note though, that a 3-year waiting period would apply for this service should you wish to add Extras cover to your existing hospital cover. I hope this helps, however, if you have any further questions, or would like to speak with one of our Product Experts, feel free to email me directly at social@hif.com.au and I can arrange this for you.

Take care, Lisa.

glenville
glenville

Thanks, i also rang and found out same info.

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.

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