It is a big scam
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
Time to switch
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.
Unexplained rise for pregnancy cover
We took this cover two years ago as we were planning for a future pregnancy and were aware of the 12 month wait. We looked online until we found the HIF Goldsaver cover, which was perfect and good value if all you wanted was pregnancy and none of the other medical policies that you never end up using.
We got a letter from HIF yesterday advising that under new government laws, our current cover will be terminated and in order to keep our pregnancy policy, we had to swap to a Gold hospital cover, which is $500 more a year!!!!!
This raise is unr...
A joke - be warned!
Just over 2 years, nothing like it was presented, the result of a couple of claims was dismal beware of this scamming mob
Was amazing... unitill they took $800 out of my account
Deeply unstatisfyed at the moment, I change my level of cover to a lower grade, which was supposed to be $230ish a month... which was changed a month ago.. yesterday they took out $800 of my account!! After calling them because my account is now overdrawn because no one has a spare $800 laying around, they couldn’t give it back to me straight and way.. because of as they said “business” even though it was their fault! So now I’m over drawn, my husband couldn’t even put petrol in his car, and they have said it could still take 4-5 days to get it...back... so I can’t buy my children food. I’m so furious at their lack of accountability when they were in the wrong and they can’t give MY money back which effectively I feel they like I have been robbed.
The opposite of customer care or service
After 5 years of paying for maternity cover, we were blessed with my son. We paid everything up front and after waiting 5 months for refunds of over $1,200 - were told that the Medicare client report we received was not sufficient proof that we had made the payments and we needed an additional report sent by Medicare directly to HIF. So I had to queue in the Medicare/Centrelink line for over 2 hours with a 5 month old baby to be told that HIF had been sent the information and they were unable to physically print it or send it to me because it w...as internal hospital coding - already sent to HIF. I tell HIF, they tell me Medicare is wrong. I queue again at Medicare for over an hour to be told the same thing. Finally, after 10 calls, in December HIF processes my refund. No apology, no compensation. I provide them with some feedback to prevent another mum from suffering the same fate. Over one year later I get a call from a claims supervisor who lies and says he called me in December last year - funnily enough my voicemail and Telstra records can prove otherwise. He makes no apology and accuses me of causing a problem - preventing the refund when I physically had nothing to do with the communications between Medicare and HIF. What a way to treat a new mother. Just what you need when you are already sleep deprived and exhausted. I should have stayed with HBF.
Horrible, never again
I had 2 medical problems. First, something in my head that I needed a GP, they couldn't give me an appointment for before than 1 week, I couldn't wait and they didn't pay me nothing for the other GP. The second time I went to emergency hospital because of a cut in my leg, 12 stitches, and they didn't cover me any 1 dollar from de 1200 that I had to pay. Never again
Refusal of Cover for alleged Pre-existing ailment
I am scheduled for surgery tomorrow- I was given the go ahead by HIF. I later receive a call from the hospital saying I cannot have my surgery because I have a pre-existing condition and am only covered from July 17. My surgery is not pre-existing and has occurred due to sudden developments. I am furious and extremely distressed by this turn of events. My case is being reviewed and with some common sense I can go ahead for surgery tomorrow. If not - a thunderstorm of action is going to rain down upon HIF.
Switched to HIF Gold cover 3 yrs ago, was going to be $3500.00 out of pocket for husbands sinus surgery so decided to go public, wait time 3 months and no cost. Not one of 9 surgeons contacted participated in hif gap scheme and yet their premiums have gone up substantially since joining, will be switching. Very disappointed
I am very disappointed with this service I really need to visit a doctor and this company cannot ans
I only need more contact with people to get information and there no available phone or no one answer me in an emergency moment. The customer support is awfull, I will coment more information when I solve my problem
What am I actually covered for? - No one can tell me
Signed up for maternity cover and called asking for more details regarding maternity and costs ect.
So sick of this insurance company being evasive and not answering simple coverage questions. "What will my policy cover, what won't my policy cover (maternity related), how much will a stay cost me.."
Couldn't even give ball park estimates.
I did have BUPA insurance and claimed more than once for hospital visits with only minor issues.
HIF is a classic example of what is wrong with our health insurance system.
I have sent a few emails regard...
Terrible huge increase in Premium
It was reasonable on the first year, and thereafter, the premiums kept going up at ridiculous rates, from $2343 a few years ago and to $2963 now!! I wrote to enquire if there can be any discount from my annual premium. They told me to downgrade to another policy, which is suitable for young women with IVF, maternity & pregnancy benefits. I am a 64 years old man, not a young woman starting my family of babies. I am now looking around to switch back to my other fund.
AVOID at all costs - because you'll be the one wearing the costs - sellers of JUNK insurance
AVOID these bandits. I would give -5 stars if it was possible.
When you hear of insurers being under fire for selling 'JUNK' insurance policies HIF is mostly likely one of these insurers. I was recently advised I needed to have a basic, minor, common surgery - i was gobsmacked to find the junk policy HIF had sold me did not even cover this basic surgery, the only person more surprised was my GP when I told her i would not get any coverage. She was shocked at how 'terrible' the policy was since most insurers at the most basic level provide cove...
Simple question on amount claimable, difficult process
I rang the office today and the wait time as usual was unacceptable. seems still a staffing problem ??
all i required was a verbal estimate of the amount i expect to receive back after a pathology procedure. verbally i gave hif the provider no-, item number, and the pathology dr;s account amount $. impossible to receive any indication of the refund amount ?. no i have to send into the hif the account and a hif claim form also the medicare form to have it assessed.!!! What if there is no rebate !! all this posting etc for nothing ...
LONG wait times for claims
Spoke to HIF today 2/06/2017 and asked about my dental claim I lodged with smart claim on Monday a week ago. I was told it would take less then 5 business days. It's been longer then that, and was told HIF couldn't even find it in the system yet!!!! So I was told to lodge it again online. So i have lodged two claims for the same claim, to be told your so busy at the moment with claims.... this is always the case! Anytime I lodge I get the same excuse - we are just very busy at the moment.
I'm really disappointed and asked if it could process o...
Questions & Answers
I have gold star hospital & super extras, can I claim for A REPLACEMENT PILLOW MASK for my existing machine, which had before joining HIF, I have been a member for over 4 years
Thank you for getting in touch. So that I can investigate this for you and look into your policy includions, do you mind sending through your HIF member number to our email address: email@example.com.
From here we can access your policy and give you a better idea of what you are covered for.
Ricky @ HIF.
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 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 firstname.lastname@example.org.
Warm regards, Lisa.
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? email@example.com. Thank you.
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 firstname.lastname@example.org and I can arrange this for you.
Take care, Lisa.
Thanks, i also rang and found out same info.
Get an answer from our members and HIF (Health Insurance Fund) representatives
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