HIF (Health Insurance Fund)

Spoke to Carly regarding claiming online as the app wasnt playing ball.
She has gone above and beyond exceeding expectations after I have had issues with my card at my naturopath visits.
This lady is truly an asset to your awesome company. I wish I switched from HBF a lot earlier.
Thank you !!!!

I signed up to HIF as it was the cheapest option with maternity cover. My hospital cover only included a 3 night stay and I ended up staying 5 nights. I knew I would need to pay a fee for those days and was pleasantly surprised at how low the fee was.
They covered all other aspects of my admission including my elective c-sections costs, and I only had to pay an excess twice, despite being admitted to hospital several times during my pregnancy.
Customer service was also great when I had questions prior to signing up.

As a new member with HIF the customer service has been fantastic. A big thank you to Chad and David for sorting out the problem with our previous provider nib. 10 out of 10 for sevice. Thankyou

May 6th 2018 Update: excellent service

the policy was great value very easy to set up excellent customer support. very friendly and informative staff. I would recommend hif 100% to anyone looking for a private health fund.

Back in January this year, we received an ambulance bill, for one of the kids, I was panicking about how we would pay this amount and my partner suggested contacting HIF to see if it was covered and it was!! Such a big relief, process was explained, forms posted to us, very straight forward process. Very pleased and am happy to be supporting a WA NFP business.

Wanted to share my recent experience with HIF. I was a bit shocked at the size of an ambulance bill. HIF took care of it within a day! They were efficient and helpful. Matt from claims was exceptional dealing with my claim in a timely manner. I signed the claims form, sent it in and didn't have to pay a cent. This really highlights to me the value of my Special Options cover with HIF and I was simply delighted with the service. In what otherwise could have been a very stressful time, HIF were happy to answer my questions and alleviate my worries immediately as well as take care of the bill as soon as I sent it in. This I why I am with HIF and feel confident working with them. Thank you guys. :)

We are delighted with the level of offerings, service and support that HIF gave before, during and after my husband's double knee replacement. So much better than our previous insurer.

I have had to undergo two surgeries this year and HIF has covered both with only a small out of pocket payment for an anaesthetist and a once off excess fee of $200 for the year. I don't have top hospital cover being in my early 20s but the level of cover I have has been great. I also have super extras which has been fantastic in the past couple of years having to need glasses and requiring some major dental treatment. Never had an issue with claims and HIF have always been helpful on the phone with enquiries.

Been with HIF for over 3 Years now, and highly recommend them.

I really love the customer service from this company. Short wait times and speak with representatives who communicate clearly and effectively. I have used the cover for hospital stays and have found claiming to be really straightforward.
My only issue is that the cost of my same level of cover has doubled in the 6 years I have been with them.

My husband and I transferred to hif from one of the major health funds due to massive price increases every year. We find hif to be very competitively priced and we like that it is a member's own fund, not a for-profit fund. When I have called, I have found my calls to be answered quite quickly. Lodging an extras claim through the app takes a few weeks to be paid, but I don't find that to be a major issue. I love that I can claim through an app....previous health fund did not even have this capability! Had to post it in or go to a branch. Very happy and have already recommended hif to a friend who joined up.

I just took the family for an annual eye check. I was amazed when told by spec savers that HIF had paid the lot and that I didn't have any OP expenses! that's a pair of reading glasses each and a pair of stylish sunglasses!! HIF you rock! thank you so much !!!! I will definitely recommend you to my f&f.

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

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.

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 formulate an argument if they denied the claim. The PDS was clear and in plain language and it was clear that the procedure would not be covered (fair enough as I had the cheapest, crappiest cover available).

To my surprise they rang back and had made the decision to cover the operation.

In my experience this is unheard of and I deeply appreciate the decision. This shows to me that they see their customers as people and not policies. I will be a HIF customer for life and will be recommending. Thanks

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.

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 out while recovering from a case of bill-shock, sourced the bill and paid the debit collectors after complaining in writing that some idiot stuffed my postal address up.

Any who, sent the whole lot to HIF to get the money reimbursed, 5 days later the money is sitting in my bank account. No kicking and screaming, no incorrect address used saga, no filing cabinets worth of documents like other insurance would've (like that travel insurer that I used).

I would strongly recommend HIF to anybody.

I have been with HIF for around 18 months, my first claim was for my Wife who spent 13 days in a Private Hospital
and we could not have had a better quick resolution. This time, off overseas. we had numerous injections and HIF picked up the bill for over half of the cost, sent in the receipts and 4 days later received a cheque, service does not get any better. Excellent Service.

In December 2015 I broke my hand and had to have surgery. I only joined HIF in July 2015 and was worried about the claims process etc. It was so simple and all of the surgeons accounts were paid directly and I had no surprise out of pocket costs just the excess which i was told about beforehand. I very happy as i changed over from Medibank which was a large fund. I dealt with Wendy in the claims, she was very efficient and lovely to deal with!

I have needed to be hospitalised 3 times within a 12 month period as a result of surgery & complications. It was peace of mind knowing HIF took care of the related costs involved with ease & friendly customer service. Thanks HIF.