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.
Real people and compassionate decision making
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...ormulate 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
Excellent Customer Service
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.
Quick and No Fuss
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.
Once again First Class Service
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.
Wonderful Customer Service and no fuss hospital claim
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!
Peace of mind!
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.
Very good service provider. Great communication with customers and great value. Staff are very helpful and website is easy to use and informative.
Super easy mobile app claiming
I couldn't be happier with how easy it was to claim on my recent glasses purchase. Click, click, click to take some photos of the receipt with my phone, and a few days later the rebate is in my account with no fuss. Thanks :)
I've been with hif for many years and found them to be very helpful and have never had a problem with the staff.
Sure sometimes things take time ie claims but what about other companies I'm sure they would be the same if not worse
I've had lots of surgeries and never had any problems when dealing with hif and have recommended them with highest regard to all my friends. Some doctors in perth over charge that's why you end up with a bill you just have to check before you commit and that's not hif fault. So far I'm delighted with their customer service and intend staying with them
Pretty straight forward fund, member owned
We switched to HIF, and the switch took a few weeks to get processed but I found their call center helpful, they have a useful app for claiming, and they had good value coverage. The fact that they are a member owned fund suggests they're more likely to care for their customers. So far so good!
Cheapest with Obstetrics Cover, always provide good service
I shop around every 12 months and have found no other health fund can beat HIF on price when you add on obstetrics cover. Even when reps from iSelect call etc., I say can you beat this price with obstetrics and they always say "No, don't bother changing covers."
We used our hospital cover a couple of years ago when our son was born. The HIF staff were reassuring that whatever they said would be paid for (and it was). Extremely happy with their service and coverage. Inexpensive (well as inexpensive as health cover gets), decent service and good...
I have always found HIF, to be the best of all health funds. I work in healthcare and always recommend them because its easy, hassle free and they are lovely to deal with. i have done my wisdom teeth, my partner has had 2 knee surgeries and now I'm pregnant so confident that I have chosen the right health fund to cover everything.
HIF - Top Customer Service
I joined three different health insurances in the past but ended up switching due to rude, incompetent and SLOW customer service with all of them.
Since switching to HIF a year ago I had no problems with customer service, claims or policy changes. Just recently I claimed another remedial massage and received my money in no time.
Thank you for the polite, friendly and competent customer service.
Keep up the good work!
And the low premium increases of course :-)
First claim was faultless
Any insurance company is ultimately only as good as how they handle claims and having swapped very recently from one of the largest funds this was my first test. I am pleased to say that the claim process could not have been quicker and the amount paid back I believe was equal to, if not a little more than my previous provider would have paid.
I have being a member of HIF for over a year now, aside from all the obvious benifits like lower premiums and being able to choose the practitioners I want to use I have found the service second to none.
When I first joined the honest of the staff in regards to what I actually needed was appreciated rather than getting a sales pitch!
Having had a few out of the ordinary claims in the last few months the staff have being excellent offering great advise in a timely manner which left me with no out of pocket expenses. Claims were processed very ...
Claiming is so easy
I have recently changed from Frank (GMHBA) as they didn't offer a rebate for speech therapy. My premium only went up $2.50 per fortnight, but the increase in amount I can claim on speech and dental well and truely outweighs that. My first claim via the app was so easy and money was in my bank 2 days later. (I'm still waiting on my previous insurer to pay a bill from 3 weeks ago). Great, affordable cover for a family needing insurance but not wanting to pay the earth! Highly recommended
Joined In March And Made My First Claim Easily
I got a letter recently from my insurer alerting me to large increase to my premium so shopped around and found HIF. They had a good joining bonus and my first claim went through easily. I also have a friend who has been with them for years who also said they were great.
Price, Claim process
Need national offices
Simple claims and great coverage
I'm single in my 40's and work in an office with a computer all day. So I often find myself at the chiro and needing optical glasses every year. I find the iPhone app for claims just fantastic for the chiro visits and even easier with the latest update. I also recently needed new glasses after breaking my other ones on New Years Eve (lets not mention why) and scurried off to Laubmann & Pank for replacements. I'm happy to say that I was impressed with the amount of cover and the assistant selling me the glasses said it was the highest she'd ever...seen! I really appreciate how responsive they are with any queries at HIF and the gift voucher they send out with every referral I've made! But I wouldn't refer anyone if they weren't so good to deal with. great coverage, easy claims
Excellent Customer Service
I have had the intermediate overseas visitor's coverage for a year and have found the claims process to be easy and prompt. Customer service is excellent and very helpful. My partner is a resident and also uses HIF for dental and other extras coverage and we both have had positive experiences. Would definitely recommend to friends.
Reliable, competitive prices
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 email@example.com.
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? firstname.lastname@example.org. 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 email@example.com 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 firstname.lastname@example.org. Thanks, Molly.
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