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Geelong

  • 2 reviews
  • 1 helpful vote
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Insurance claim made

Great cover

5 out of 5, reviewed on May 04, 2018

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.

1 person found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hi Cass, Thank you for this fantastic feedback, we're so glad to hear you've had a great experience with HIF. We really appreciate you taking the time to share this review. If you ever have... read more »

Launceston

  • 1 review
  • 1 helpful vote
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Great service HIF

5 out of 5, reviewed on Apr 06, 2018

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.

1 person found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Carlene, Thank you for taking the time to share this wonderful feedback! I will ensure a copy is passed on to Chad and David in a moment, and also to their managers for commendation. If... read more »

Perth

  • 3 reviews
  • 3 helpful votes
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Verified Customer Insurance claim made

Great Service

5 out of 5, reviewed on Mar 26, 2018

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.

1 person found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hi there, Thank you so much for sharing this wonderful review. I’m very sorry to hear that one of your children needed an ambulance though – I hope they’re ok now. I will share your feedbac... read more »

Insurance claim made

Perfect service. Couldn't be more helpful.

5 out of 5, reviewed on Mar 06, 2018

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. :)

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hi Sarah, Thank you so much for taking the time to share this fantastic feedback, it’s wonderful to hear you’ve had such a positive claiming experience with HIF. I will share your review wi... read more »

  • 1 review
  • 1 helpful vote
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Insurance claim made

Could not be happier!

5 out of 5, reviewed on Feb 08, 2018

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.

1 person found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hello KBorgelt, Thank you for taking the time to share this terrific feedback! I'm delighted to hear that HIF was able to help you get your husband back on his feet following his surgery, I hope... read more »

  • 2 reviews
  • 1 helpful vote
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Insurance claim made

Great experience so far!

5 out of 5, reviewed on Jan 02, 2018

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.

1 person found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hi Madi.

Thank you for posting this terrific review! I really appreciate you taking the time to share this feedback, and I hope you had a speedy recovery from your surgeries.

Best wishes,

Nikki Atack
HIF Marketing Manager

Yeppoon, Queensland

  • 1 review
  • 1 comment
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Insurance claim made

Highly Recommend

5 out of 5, reviewed on Dec 13, 2017

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

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Jojo, Thank you for taking the time to share this terrific feedback. We love to hear from happy HIF members and I'll ensure your comments are passed on to our whole team here. If you ev... read more »

Hi Kelsey, Just wanted to say that wasn't all of my review, I had a lot more written out about HIF, I may have accidentally deleted it. Never had any problems on making claims on Extras, just n... read more »

HIF (Health Insurance Fund) Official

No worries at all, it’s great to hear that you’ve had such positive experiences with our Claims and Member Services Teams. :) With regards to your feedback about excesses and shared family allow... read more »

  • 4 reviews
  • 4 helpful votes
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Insurance claim made

Excellent Customer Service

5 out of 5, reviewed on Nov 20, 2017

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.

1 person found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hi L, Thank you for your review, that’s wonderful to hear! I really appreciate you taking the time to share such terrific feedback. If you ever have queries or need assistance with your HIF p... read more »

Brisbane

  • 3 reviews
  • 1 helpful vote
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Insurance claim made

Overall very happy with HIF

5 out of 5, reviewed on Jul 24, 2017

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.

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Di W, Thank you so much for this wonderful review. We’re very proud to be a not-for-profit health fund, so to hear feedback like this really does make our day. I’m also delighted to hear ... read more »

Insurance claim made

fantastic rebates on optical

5 out of 5, reviewed on Apr 27, 2017

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.

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hi Channa, Thank you for taking the time to share this wonderful feedback, it’s fantastic to hear you’ve had such a positive claiming experience with HIF. I will share your review with our ... read more »

  • 1 review
  • 2 helpful votes
Private message

Insurance claim made

No complaints here

5 out of 5, reviewed on Nov 13, 2016

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

2 people found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Alexaki, Thank you for your review! I'm delighted to hear that you're a happy HIF member, and I appreciate your feedback about our mobile app too. You'll be pleased to know that we're curren... read more »

  • 1 review
  • 2 helpful votes
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Insurance claim made

Long time members

5 out of 5, reviewed on Sep 10, 2016

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.

2 people found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Ian,

Thank you very much for sharing this wonderful feedback! It's great to hear from a long term member and we really appreciate you taking the time to post this review.

Warmest regards,

Nikki Dale
(HIF Digital Manager)

Perth

  • 1 review
  • 4 helpful votes
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Verified Customer

Easy to navigate with the best value

5 out of 5, reviewed on Aug 11, 2016

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.

4 people found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Whitney, Thank you for your review, that’s wonderful to hear! I really appreciate you taking the time to share such terrific feedback; and as HIF’s Digital Manager, your comments about our w... read more »

  • 1 review
  • 1 helpful vote
Private message

Insurance claim made

Real people and compassionate decision making

5 out of 5, reviewed on May 04, 2016

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

1 person found this helpful, do you? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Nick, Thank you for taking the time to share this review! I was very sorry to learn of your accident, but I'm delighted that HIF was able to help you get back on your feet. As a not-for-pr... read more »

Verified Customer

Excellent Customer Service

5 out of 5, reviewed on Apr 01, 2016

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.

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Antonio, Thank you for sharing this wonderful review! I'm delighted to welcome you as a new HIF member, and I hope you have a brilliant time 'Down Under'. If I can ever be of assistance in ... read more »

Perth, Western Australia

  • 2 reviews
  • 3 helpful votes
Private message

Insurance claim made

Quick and No Fuss

5 out of 5, reviewed on Feb 10, 2016

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.

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Andrew, Thank you so much for taking the time to share this review. I hope your leg is all better now, and I'm delighted that we could ease the pain regarding your ambulance claim! If you ... read more »

Verified Customer Insurance claim made

Once again First Class Service

5 out of 5, reviewed on Jan 14, 2016

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.

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hello John, Thank you very much for sharing this review, we really appreciate your feedback and I'll be sure to share your wonderful comments with our Claims Department. I hope you had a fantast... read more »

Insurance claim made

Wonderful Customer Service and no fuss hospital claim

5 out of 5, reviewed on Jan 14, 2016

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!

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Jen, Thank you for taking the time to share this wonderful feedback! I will ensure a copy is passed on to Wendy in a moment, and also to her manager for commendation. I hope your hand is re... read more »

Insurance claim made

Peace of mind!

5 out of 5, reviewed on Dec 03, 2015

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.

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hi Helen, What lovely feedback to receive - thank you! I'm sorry to hear that you've spent so much time in hospital this year though, I hope you're recovering well and feeling much better now. If... read more »

great service

5 out of 5, reviewed on Nov 25, 2015

Very good service provider. Great communication with customers and great value. Staff are very helpful and website is easy to use and informative.

Was this review helpful? Yes

Comments
HIF (Health Insurance Fund) Official

Hello Lisa, Thank you for taking the time to share this wonderful feedback. We love to hear from happy HIF members and I'll ensure your comments are passed on to our whole team here. If you ever ... read more »

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Questions & Answers

Has anyone had weight lose surgery with HIF any issues with claiming ?? I have Gold Hosp for nearly 12 mths !! These are some numbers and types of surgery I was thinking about { Below info from a clinic } Adjustable Gastric Banding: 31569 (previously 30511) Sleeve Gastrectomy: 31575 (previously 30518) Gastric Bypass: 31572 (previously 30512) also there is a new one called Laparoscopic gastric greater curve plication, .{ at the moment this one is not covered by private health cover but can Hosp and other services be claimed}??? Thanks any info will be helpful .

Converted asked on Jun 19, 2018

Answer this

Hi there,

Thanks for getting in touch.

With regards to weight loss surgery, this is certainly included on your Gold Hospital cover, providing it’s deemed medically necessary by Medicare and that you’ve served your 12 month waiting period with HIF on this level of cover.

As some out-of-pocket expenses may be incurred though, we always advise our members to provide HIF with an itemised medical estimate prior to being admitted to hospital. That way, we'll be able to confirm how much you can claim back and ensure any out-of-pockets are kept to a minimum. As you've provided those details above, please feel free to email me your HIF Membership number on social@hif.com.au and I’ll ensure a medical benefit estimate is generated for you.

I hope this helps, but if there’s anything else I can assist with, please do not hesitate to get in touch.

Kind regards,

Kelsey Donnelly
(Digital Marketing Consultant)

Do you cover buying Sleep apena machine , if yes under which health insurance cover?

micheal asked on Jun 16, 2018

Answer this

Hi Micheal, thanks for getting in touch.

We certainly do pay a benefit towards Sleep Apnea Machines (CPAP Machine). This service is included on our top two Extras Covers, Super and Premium Options, within the External Prosthesis / Medical Appliance category.

It’s important to note though, a 3 year waiting period would apply before you can claim for the machine, unless you’ve held cover for this service with another health fund previously.

Here's a quick overview of what can be claimed:

With regards to the annual limit: You can claim one machine 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.
• Please note that a benefit is only payable towards the CPAP machine itself (accessories like the mask and nose piece cannot be claimed from HIF).
• Waiting period: 3 years

In order to claim for the device, it must follow admission to hospital for sleep apnea and/or a letter recommendation from your treating practitioner must be provided in support of the claim.

If it would help Micheal, I’d be happy to arrange a quick call with one of our product experts to discuss this in more detail and provide you with a quote. If that sounds ok, please email your contact details and a convenient time to talk and I’ll schedule that in for you. Alternatively, you can get a quote online using our interactive product selector here: www.hif.com.au

I hope that helps, but please do let me know if there’s anything else I can assist with.

Kind regards,
Kelsey Donnelly

(Digital Marketing Consultant)

Please explain WHY my contribution has increased by 17.32% from 2017 to 2018?

Jude asked on Feb 17, 2018

Answer this

Hello Jude,

Thank you for getting in touch. So that I can investigate this for you, please can you email your member number to me on social@hif.com.au?

Warm regards,
Nikki.

See all 44 questions about HIF (Health Insurance Fund)