Having been alerted by the comments that follow, HIF customer support rectified their error within hours. This is pleasing and I have changed the star rating accordingly. Just a pity the first point of contact did not yield the same result:

I have been left extremely frustrated by HIF's lackadaisical approach to my predicament. I am signed up to HIF's 'Super' options and recently paid for two months cover up front to take advantage of paying the lower rate before their premium increased. Today, with a rare day off scheduled tomorrow, I d...

I rarely write reviews about things but felt the need to write a positive one about HIF. After being fed up with the lack of value I was getting from BUPA and the increasing restrictions of which health providers I could see, I contacted a third party health insurance reviewer and whilst reluctant to go through the process, I am actually glad the operator found HIF for me.

I have had no issues with HIF since signing up, all my waiting periods were matched and I have received more value from HIF than I would have ever done with my previous...

Excellent value, easy to set up, unbeatable Customer Support. Would highly recommend HIF. Was recommended to us by a third party Health Insurance reviewer and moved across after almost 15 yrs with another provider. Claim submitted and paid seamlessly. Customer service second to none (after a considerable wait but first thing consultant did was apologise for the wait). Overall, extremely professional.

30 minutes waiting over the phone with annoying ads and then it dropped. No "leave your number and we'll call you back" service. Email not replied within 24 hours. Apparently they've got now loads of clients and became unreachable :(

A warning note to everyone on HIF 2017 premium increases. They are going up by a whopping 22.5%!!! I joined earlier this week having not been informed by HIF of their intension to increase their premiums by such an amount. Today I found out the truth and immediately cancelled my policy.
How has the Federal Govt allowed HIF to increase their premiums by so much?

I really like HIF and have no complaints about their rebate as i think compared to other funds i get a lot back. However their turn around time for claims is extremely slow, sometimes more than one week which is a bit disappointing. Surely this can be sped up particularly when everything is supplied correctly.

I am writing regarding my daughters family membership she has paid into for past 19months (approx $5000). She called HIF to actually talk to someone to initiate becoming a member 19months ago stating that she wanted full cover if she was to become pregnant down the track.Neither she or her husband have never claimed for anything from the fund and they have a baby on the way. She inquired today regarding the ultrasounds she has had to pay for and what does she do to claim a refund. She was advised that they only have cover for a private hospital. What a waste of money. A total rip off of money. I wish people could be honest in what they are trying to sell with health insurance. Very annoyed mother.

Been with HIF since early 2016...all claims processed with ZERO fuss...premiums are competitive and service is friendly and efficient....just wish their mobile APP was better so far I am very happy with HIF

Hooray, I was just told I don't have a sickness! I was enquiring whether HIF supplied some kind of rebate as I am having a brain operation and wanted to know whether they would cover some of my wig cost as I need to shave my head. I have been a member for 25 years and have a degenerative disease & are on the top extras cover. The answer you gave me basically is saying I am not sick!

After being a member for 10 years I have had enough. I've claimed maybe 6 times in the entire time I have been a member.
I was about to upgrade my membership as I need joint surgery down the track so rang up to inquire. All I got was the lady demanding a payment NOW in order to upgrade me. I wanted information - not a demand for payment.
Despite trying desperately to get the information I needed, I ended up giving up when all she wanted was my credit card details.
Now looking at other funds and realising how much cheaper other options are. I now realise HIF are quite expensve!

As long time members we cannot understand these poor reviews, are the reviewers just not doing things right?
We have never ever had any issues on any claims we have made.No red tape and seamless claiming.

I spent about three weeks researching all the different health insurance funds trying to find what was best for me and HIF had by far the easiest website to navigate in terms of picking exactly what I wanted and seeing what I was getting, which was my number one reason for picking them. The fact that they were also the most competitive in terms of price for my level of cover was icing on the cake. The sign up process was a breeze, the customer service so far has been excellent, and the blog on their site has some great articles.

Happy to recommend HIF to friends and family.

They denied the claim when my mom, as their client, was facing death in hospital.

Their claim process is slow and tedious. And they'll find any excuse to deny the claim. In my parent's case, pre-existing rule. They just say my mom's stomach-ache, controlled by medicine, 9 months earlier when my mom was diagnosed as gastric cancer, ignoring the fact that there were nearly half an year during this period that my mom didn't have any discomfort of her stomach. Their initial assessment contains various incorrect facts that I found out later. Howe...

I joined this health fund on the recommendation of my husband. However since joining we have had nothing but issues. Our payments aren't allocated even though they are sitting in HIF's account meaning that each time we try to claim it has been declined. Disgraceful!!
Worst health insurance fund I've ever had to deal with! If looking for a fund this would have to be the last one you should choose! My biggest regret would have to be leaving my previous fund, HIF are terrible!!!

Been with them for years. First time I had a policy issue basically said too bad can't help you and then try to pretend the govt rebate is a discount from them

Just wanted to share a recent positive experience. I had a accident and I needed to go in for follow up surgery 9 months down the track. The emergency side of things was sorted in the public system but the wait time for for the follow up in the public system was 12 months plus. Private was 4 weeks.

HIF rang me after the private hospital contacted them for some more info. The person on the phone indicated that the level of cover I had may not cover the procedure at all and she would check with her manager. I franticly downloaded the PDS to f...

We have had to claim three times with HIF and each time the process was difficult and they required extra forms and information that had in some cases already been provided. We had to make a separate trip to the GP that referred my wife to the hospital and have the GP sign forms and we had to go back to the hospital and have them sign other forms. Now on the 3rd time claiming they need more forms from the hospital that we have to get ourselves and forward to them. I would not recommend HIF.

I'm still yet to use their services if I ever need to. But during the signing up process, there was a little hiccup which needed to be resolved asap to complete my 457 Visa Application. Their Customer Service dealt with it fast and effectively.

That is the kind or service you look for when moving to a new country and search for a health insurance cover. And in the midst of some bad reviews I read here, which were left as is even after the matter was resolved. I just wanted to provide my input.

They debited the premium from my bank account but they denied it, and no refund is made after membership cancellation.

April 2015, had a leg infection sprung on me while holidaying in Queensland. Now very recently been slugged a $1,100 bill by the Queensland Ambos, but however, due to some demonstration of incompetence by QLD government, they stuffed up my postal address and given that I never received an account from them, deferred me to the debit collectors.

While the debit collectors had also used the incorrect postal address, was by pure luck had a postie who had some brains and sent it to my actual address, and while after some choice words were yelled...