Best private health
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.
I can't be more thankful!
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!
- Verified customer
A very happy HIF member.
I’ve been a HIF member for over 10 years now and I couldn’t be happier with them. During that time, I’ve had three day admissions to hospital and my husband’s had one, and HIF has always taken care of everything without question.
On the extras side, I regularly compare our ‘Super Options’ extras cover with other funds but haven’t been able to beat it for price and coverage yet. My husband and I each claim $350 on glasses/sunnies/contacts every year, and they also have an extra discount arrangement with Specsavers and a few other optical store...s, so that brings any remaining costs down even further. We also claim a lot on dental each year and our dentist raves about HIF - they reckon they’re the best in the business. HIF’s $400 pharmacy annual limit is great for me too as I regularly have to claim for a particular medication so I always max that out each year. And it was good to see that HIF also improved their osteo rebates recently, as I use that quite often. In terms of customer service, I’ve always found all of HIF’s reps to be friendly, well trained and very knowledgeable. If I ever need to call them, I’m usually only on hold for a couple of minutes before someone answers (very different to most service providers!), and HIF’s social media team are outstanding too. They’re super helpful and always resolve my queries quickly and professionally - I honestly couldn’t fault them. Having just read some of the other reviews on here, it’s disappointing to see that even when HIF responds to complaints and resolves the issues, most reviewers don’t update their initial star ratings and comments to reflect that (credit where credit’s due and all that!). But again, it’s good to see that HIF takes every review seriously. Personally, I’ve always been made to feel like a valued member rather than just another policy number, and I like that HIF are not-for-profit and carbon neutral too - I think it says a lot about their focus on customers instead of shareholders. Oh, and the member rewards program is fantastic! I’ve referred heaps of friends over the years, and to say thank you, HIF sends me a $70 gift card for each one that joins up. Such a great idea! So thank you, HIF. Five stars from me! :) PS - LOVE Hif the dog!
- Verified customer
Glad I made the switch
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.
- Verified customer
HIF saved me $$$ at the dentist
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.
I have been with HIF for almost 6 years now and have always been extremely happy with the level of service provided. My main reason for choosing them was due to upcoming orthodontic treatment and jaw surgery. I spent some time researching different policies, with very mixed results. Some companies provided very limited information, some just issued blanket Product Disclosure Statements with little or no specific guidance, and one just point blank refused to insure me based on the fact that it was a pre-existing condition. HIF, however, attentiv...ely responded to all of my emails and calls and produced itemised quotes based on the treatment plan. It was an obvious choice. Fast forward a number of years and having completed my treatment plan, I am extremely happy with the level of service I have received. Jaw surgery can be a fairly daunting experience but knowing exactly what you are covered for, what benefits you will receive, and any out of pocket costs you may incur, takes away a lot of the stress beforehand. HIF's support in this regard was excellent and certain costs such as hospital and anaesthetist costs are covered without the patient having to do anything. Post treatment, claims were processed quickly and easily. Overall, a very positive experience with HIF.
HIF rocks ! Especially Carly !
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.
Great service HIF
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.
- Verified customer
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.
Perfect service. Couldn't be more helpful.
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. :)
Great experience so far!
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.
Excellent Customer Service
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.
Overall very happy with HIF
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.
fantastic rebates on optical
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.
- Verified customer
Easy to navigate with the best value
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.
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 A.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.
Can I claim for a back support brace from HIF
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 email@example.com. Thanks, Molly.
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