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...
Long wait on the phone
Called today to discuss my policy, waited 18 minutes to finally talk to someone. Just to be told it was a peak period, this is the second time this has happened. Perhaps you may need to review staffing levels in order to improve customer sercive delivery. Definitely should have looked ALL of the below reviews prior to signing up. Unacceptable customer service.
WAITING TO LONG ON THE PHONE
I transferred to HIF from HBF a few years ago but now I'm wondering why?
Today I rang HIF and I was put on hold for 14 minutes 47 seconds with a recorded message apologising for the delay. This is totally unacceptable and this never happened when I first joined. The service at that time was great, but waiting l4 minutes is just not on. The polite lady who eventually did answer also apologised and I said then HIF need to employ more staff to answer the phones. It better not happen again or I'm moving on once again.
They know how to take the money just not how to pay it.
I submitted my Claim over one month ago and have not been paid. The lady I spoke to said that was normal and nothing she could do and it would be another 2 weeks because of how busy they are. With the amount of money we pay and the premium increases every year, the service is along way from being satisfactory. Maybe we should be able to not pay our premiums until our claim has been paid. There is nothing you can do, than just wait until they are ready to pay you.
HIF 2017 premium increase of 22.5% in April
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?
HIF is a rip off
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.
Unethical company causing clients' death.
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...ver, they insist on their initial conclusion regardlessly, which is, having stomach ache 2 weeks before the policy started is the first sign of gastric cancer 9 months after. To all their clients, imagine if you have headache, cough, body sore, any kind of discomfort in your medical record before you're with HIF, you might be rejected claim when you desperately need it in the end. And if you think you can dispute, you're wrong. I asked HIF to provide specific medical evidence for the association between stomach ache and cancer, HIF just responded that they have followed correct process for assessment and will provide no further assistance. And if you think PHIO might help you out, you're wrong again. PHIO won't even bother to have an independent medical review for you. They'll just ask HIF to assess again. So at last, you think you can sue HIF? Sorry mate, I was told my total legal cost might end up $60-80k if I lost, so the lawyer suggested me to just give up for a $20k claim.
Worst health fund in Australia!!
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!!!
No help as soon as you have a real issue
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
Very difficult claims procedure
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.
Absolutely terrible service!
They debited the premium from my bank account but they denied it, and no refund is made after membership cancellation.
Very Dissappointing and confusing
Have been HIF member for over 15 years. I recently received a flyer from them re their optical benefits.
One simple optical limit
We have done away with all those confusing sublimits for optical benefits. Instead there's just one annual limit per person so you can claim 100% of eligible optical fees up to that limit
Sounds good don't it?
My husbands glasses came to $275.71
My came to $275.71
Great I thought $325 was our limit each so we should not have any out of pocket expenses.
Unfortunately this was not the case.
I had a gap of $44 for muticoating and UV coating and my husband had a gap of $102 for muticoating. ...
Get real HIF! Can only claim $240 out of $1400 limit?!
My mother requires a new denture. We’ve been told she can’t claim as she’s already claimed $240 to repair the old one within the last 2 years (despite the fact that the actual limit is set at $1400) you can only claim once per 2 years for denture regardless of the amount claim! That sounds absolutely ridiculous to me. What if you need to go back for more repair or adjustment or even a new one?! You need to wait for another 2 years?! Get real HIF!
No GAP cover on Specialits/Surgeons
Low premium = Huge out of pockets. The dentist cover and low $200 hospital excess may rope you in.
Mortified to be refunded $640 by HIF after a $9,500 Rhinoplasty Surgery that was not elective surgury!
In my instance Medicare will pay you out to their Schedulde and then HIF will ONLY pay out the balance of the capped Medicare Schedule amount (Which appears to be undercut on some items in my claim too). There was absolutely no GAP cover for the additional amount my Surgeon charged on top of the Medicare schedule.
To add insult to in...jury it took HIF 7 weeks to pay. Phone call not returned on follow up. I find their website very misleading, it has a page which states "Find a AccessGap Specialist" with a search tool. So you search your Specialist and bingo they come up - success. BUT the terms below the box says "Even if your Dr appears that doesn't guarantee they participate". What's the point of the search box?http://www.hif.com.au/health-insurance/hospital-cover/accessgap-specialists.aspx?fullwebsite=1
HIF costs us a lot more out of pocket expenses
We switched to HIF this year and what a mistake it has been. We paid for Gold hospital and Premium extras and they claim to pay 80% of dental fees but that has turned out to be around 40%. The PDS they released at that time did not show the maximum cap value on each claim which is a lot less than the 80%. Our top hospital cover is a lot worse as well. My partner recently went into hospital for the day and the anaesthesia had to be claimed separately which resulted in considerable out of pocket expenses. I've had to contacted HIF many times sin...ce we joined in April and they just don't reply. Cheaper Price = Less Service and More Out of Pocket Costs. After too many emails and phones calls disputing claims I finally pulled the pin on HIF today and went back to my previous provider HBF who welcomed me back with all my benefits still in tact and I was also given a GoPro camera. Result! I learned the hard way that the saving in the upfront price isn't really value at all.
Still charge on cancelled policy! Terrible service!
I joined HIF from BUPA (13 Apr) and I had a 30day cooling off period nor had I been charged for my first payment with HIF. On 17 Apr, BUPA offered me a better deal so I stayed with BUPA and the immediately sent an email to HIF to cancel. I was also contacted by HIF on 21 April to reconfirm my cancellation (they called me). On 23 April, despite my policy being noted for cancellation TWICE, HIF STILL charged me!
When I called to query this the extremely rude clerk said there was no record of my request to cancel or that a representative from HIF...
Pay a lot and get very little back in claims
While waiting for my review to be posted on the 20th April, I had a conversation on the 21st April with HIF regarding my issues. This conversation, whilst still not resulting in an amicable resolution on my part, did clarify the fine print and HIF / Medicare Gap Cap rules. Fine print and rules, that would have required me TO be fully au fait and up to date with Medicare / HIF policy and procedures, of which I am not, this is my error.
Yesterday, 22nd April 2015, I received a call from the HIF Rep that I had discussed my...issue with the previous day, asking me to remove my review of my experience with their Health Fund. He was pleasant, but his melodic toned statement of “we didn’t really want to get into an online slanging match of he said - she said, did we when HIF replied to my review” was loud and clear. Firstly, I did not anticipate that a product review would be open to a reprisal. Secondly, I did not expect that I would be made to feel like I would be opening myself up to a “slanging match” with HIF if I did not remove my post. Any Insurance firm that feels the need to call someone and intimate that there would be a slanging match response to my review should I not take it down off a “Product Review” site, isn’t really one that I wish to belong to.
Questions & Answers
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.
HIF (Health Insurance Fund)
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.
Can I claim for a back support brace from HIF
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 email@example.com. Thanks, Molly.
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